| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | — | — | $0 | 0.00% |
| VARIOUS - SEE ATTACHED3 | PO BOX 9375 GREENSBORO, NC 27429 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 13.77% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 NORTH ELM STREET GREENSBORO, NC 27429 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $566 | $5K | 19.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 NORTH ELM STREET GREENSBORO, NC 27429 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $347 | $4K | 23.93% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 NORTH ELM STREET GREENSBORO, NC 27429 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $283 | $4K | 21.74% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 NORTH ELM STREET GREENSBORO, NC 27429 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $224 | $3K | 29.12% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9395 GREENSBORO, NC 27429 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $760 | — | $760 | 9.19% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 NORTH ELM STREET GREENSBORO, NC 27429 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $85 | $1K | 28.94% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 NORTH ELM STREET GREENSBORO, NC 27429 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $200 | $28 | $228 | 19.34% |
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 | 129 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 77 | $57K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 0 | $8K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 121 | $27K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 33 | $15K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 33 | $34K |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 121 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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.