| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC | 3625 N. ELM STREET GREENSBORO, NC 27455 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $26K | — | $26K | 11.15% |
| MARSH & MCLENNAN AGENCY LLC | 5605 CARNEGIE BLVD STE 300 CHARLOTTTE, NC 28209 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 12.05% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY | 100 FRONT ST. STE 800 WORCHESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 3.38% |
| GLENN ZIMMERMAN INC Filed as: GLENN ZIMMERMAN INC. | 1510 HIGHROCK ROAD GIBSONVILLE, NC 27249 | COLONIAL LIFE AND ACCIDENT COMPANY | $551 | $31 | $582 | 3.01% |
| LESLEY BENEFITS | PO BOX 29236 GREENSBORO, NC 27429 | COLONIAL LIFE AND ACCIDENT COMPANY | $422 | — | $422 | 2.18% |
| NANCY Y BELL | 4213 HENDERSON ROAD GREENSBORO, NC 27410 | COLONIAL LIFE AND ACCIDENT COMPANY | $313 | — | $313 | 1.62% |
| MAY WAY OF WAKE COUNTY INC Filed as: MAY WAY OF WAKE COUNTY | 124 CHATTERSON DRIVE RALEIGH, NC 27615 | COLONIAL LIFE AND ACCIDENT COMPANY | $77 | — | $77 | 0.40% |
| BENEFITS COUNT INC Filed as: BENEFITS COUNT II INS1401 | 1401 CHRISTMAS COURT RALEIGH, NC 27604 | COLONIAL LIFE AND ACCIDENT COMPANY | $26 | $5 | $31 | 0.16% |
| BARRETT L PATTERSON | 1522 DELLWOOD DRIVE RALEIGH, NC 27607 | COLONIAL LIFE AND ACCIDENT COMPANY | $28 | $2 | $30 | 0.16% |
| JASON DOUGLAS WISE | 8257 PRIMANTI BLVD RALEIGH, NC 27612 | COLONIAL LIFE AND ACCIDENT COMPANY | $5 | — | $5 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC Filed as: BOA C/O MARSH & MCLENNAN AGENCY | LOCKBOX 419814 PO BOX 419814 BOSTON, MA 02241 | COMMUNITY EYE CARE | $673 | — | $673 | 10.00% |
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 | 79 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 79 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 79 | $231K |
| Vision | COMMUNITY EYE CARE | 102 | $7K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 90 | $55K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 90 | $55K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 90 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.