| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9395 GREENSBORO, NC 27429 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $1K | $5K | 10.01% |
| GLENN ZIMMERMAN INC Filed as: GLENN ZIMMERMAN INC. | 1510 HIGH ROCK ROAD GIBSONVILLE, NC 27249 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $886 | $159 | $1K | 5.08% |
| LESLEY BENEFITS | PO BOX 29236 GREENSBORO, NC 27429 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $660 | — | $660 | 3.21% |
| FLOYD A BELL | 4213 HENDERSON ROAD GREENSBORO, NC 27410 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $515 | — | $515 | 2.50% |
| JANIE M GREER | 124 CHATTERSON DR. RALEIGH, NC 27615 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $91 | — | $91 | 0.44% |
| BARRETT L PATTERSON | PO BOX 10641 RALEIGH, NC 27605 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $60 | $15 | $75 | 0.36% |
| BENEFITS COUNT INC Filed as: BENEFITS COUNT II INC | 1401 CHRISTIMAS COURT RALEIGH, NC 27604 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $42 | $18 | $60 | 0.29% |
| MARSH & MCLENNAN AGENCY LLC Filed as: SENN DUNN, A MARSH & MCLENNAN AGENC | PO BOX 9375 GREENSBORO, NC 27429 | COMMUNITY EYE CARE | $657 | — | $657 | 9.99% |
| MARSH & MCLENNAN AGENCY LLC | PO BOX 9375 GREENSBORO, NC 27429 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $549 | — | $549 | 10.24% |
| MARSH & MCLENNAN AGENCY LLC | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $109 | $109 | 2.03% |
| GLENN ZIMMERMAN INC | PO BOX 13329 GREENSBORO, NC 27415 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $798 | — | $798 | 15.00% |
| MARSH & MCLENNAN AGENCY LLC | 3625 N ELM ST. GREENSBORO, NC 27455 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $32K | $1K | $33K | — |
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 | 106 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 100 | $0 |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 128 | $52K |
| Vision | COMMUNITY EYE CARE | 111 | $7K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 106 | $26K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 18 | $21K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 11 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.