| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION | 6230 FAIRVIEW ROAD SUITE 210 CHARLOTTE, NC 28210 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $136K | $1K | $137K | 14.17% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N. ELM STREET GREENSBORO, NC 27455 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $91K | $7K | $98K | 10.17% |
| PHILLIP PORTER GOODRUM3 | 131 HILLSIDE AVE CHARLOTTE, NC 28209 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $297 | $0 | $297 | 0.03% |
| IBENEFIT COMMUNICATION LLC3 | ATTN HILLSIDE AVE CHARLOTTE, NC 28209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $90K | $6K | $95K | 32.51% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 274290375 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $67K | $0 | $67K | 23.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $4K | $4K | 1.43% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 1041 OLD CASSATT RD BERWYN, PA 193121152 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 3.75% |
| IBENEFIT COMMUNICATION LLC3 | ATTN PHILLIP GOODRUM 131 HILLSIDE AVE CHARLOTTE, NC 28209 | FIRST UNUM LIFE INSURANCE COMPANY | $171 | $0 | $171 | — |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 274290375 | FIRST UNUM LIFE INSURANCE COMPANY | $114 | $0 | $114 | — |
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 | 1,517 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,519 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 236 | $50K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 955 | $85K |
| Life insurance(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,509 | $1.3M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,509 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,509 | — |
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.