| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N. ELM STREET GREENSBORO, NC 27455 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $93K | — | $93K | 11.20% |
| UNKNOWN3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $24K | $24K | 2.89% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION | 6230 FAIRVIEW ROAD SUITE 210 CHARLOTTE, NC 28210 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $150K | — | $150K | 19.67% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 NORTH ELM STREET GREENSBORO, NC 27455 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $100K | — | $100K | 13.14% |
| UNKNOWN3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $8K | $8K | 0.99% |
| PHILLIP PORTER GOODRUM3 | 131 HILLSIDE AVE CHARLOTTE, NC 28209 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $367 | — | $367 | 0.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM ST GREENSBORO, NC 27455 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $47K | — | $47K | 7.00% |
| MARSH & MCLENNAN AGENCY LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $18K | $18K | 2.72% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,494 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,504 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,158 | $668K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,158 | $668K |
| Life insurance(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,418 | $1.6M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,418 | $834K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,418 | $834K |
| Other(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,418 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,418 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.