| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY, LLC | 3625 N. ELM ST. GREENSBORO, NC 27455 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $35K | $274 | $35K | 13.51% |
| MARSH & MCLENNAN AGENCY LLC | PO BOX 419814 BOSTON, MA 02241 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $274 | $6K | 12.40% |
| MARSH & MCLENNAN AGENCY LLC | PO BOX 9375 GREENSBORO, NC 27429 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 12.86% |
| MARSH & MCLENNAN AGENCY LLC | 100 FRONT ST. SUITE 800 WORCHESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $655 | $655 | 2.22% |
| GLENN ZIMMERMAN INC Filed as: GLENN ZIMMERMAN INC. | 1510 HIGH ROCK ROAD GIBSONVILLE, NC 27249 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $172 | $2K | 10.35% |
| LESLEY BENEFITS | PO BOX 29236 GREENSBORO, NC 27429 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $587 | — | $587 | 2.80% |
| FLOYD A BELL Filed as: FLOYD BELL | 4213 HENDERSON ROAD GREENSBORO, NC 27410 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $349 | $0 | $349 | 1.66% |
| JANIE M GREER | 124 CHATTERSON DR. RALEIGH, NC 27615 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $83 | — | $83 | 0.40% |
| BENEFITS COUNT INC Filed as: BENEFITS COUNT II INC. | 1401 CHRISTMAS COURT RALEIGH, NC 27604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | $19 | $62 | 0.30% |
| BARRETT L PATTERSON | PO BOX 10641 RALEIGH, NC 27605 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | $1 | $55 | 0.26% |
| MARSH & MCLENNAN AGENCY LLC | PO BOX 9375 GREENSBORO, NC 27455 | COMMUNITY EYE CARE | $693 | — | $693 | 9.99% |
| MARSH & MCLENNAN AGENCY LLC | PO BOX 9375 GREENSBORO, NC 27429 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 31.83% |
| MARSH & MCLENNAN AGENCY LLC | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $15 | $15 | 0.26% |
| MARSH & MCLENNAN AGENCY LLC | 360 HAMILTON AVE. SUITE 930 WHITE PLAINS, NY 10601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
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 | 109 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 109 | $260K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 93 | $49K |
| Vision | COMMUNITY EYE CARE | 114 | $7K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 114 | $51K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 114 | $51K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 114 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.