| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORY S NEWTON3 | PO BOX 9375 GREENSBORO, NC 27429 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $25K | $1K | $26K | 5.39% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 NORTH ELM STREET GREENSBORO, NC 27429 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $396 | $6K | 18.30% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 NORTH ELM STREET GREENSBORO, NC 27429 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $66 | $4K | 22.38% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 NORTH ELM STREET GREENSBORO, NC 27429 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $59 | $3K | 20.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 NORTH ELM STREET GREENSBORO, NC 27429 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $52 | $3K | 27.52% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9395 GREENSBORO, NC 27429 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $833 | — | $833 | 10.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 NORTH ELM STREET GREENSBORO, NC 27429 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $18 | $1K | 27.42% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 NORTH ELM STREET GREENSBORO, NC 27429 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $263 | $6 | $269 | 17.37% |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 112 | $479K |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 182 | $54K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 86 | $8K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 134 | $30K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 34 | $14K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 34 | $31K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 112 | $479K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 134 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.