| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIED BENEFIT SYSTEMS, LLC3 Filed as: ALLIED BENEFIT SYSTEMS LLC | — | HCC LIFE INSURANCE COMPANY | $39K | — | $39K | 7.05% |
| MARSH & MCLENNAN AGENCY LLC3 | — | HCC LIFE INSURANCE COMPANY | $32K | — | $32K | 5.84% |
| MEDCOST BENEFIT SERVICES3 Filed as: MEDCOST LLC | — | HCC LIFE INSURANCE COMPANY | $7K | — | $7K | 1.29% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 13.81% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 92186 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 6.51% |
| IMG5 | 2960 NORTH MERIDIAN STRET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $27 | $27 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 3625 NORTH ELM STREET #200 GREENSBORO, NC 27455 | AMERITAS LIFE INSURANCE CORP | $7K | — | $7K | 12.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 5145 GREENVILLE, SC 29606 | AMERITAS LIFE INSURANCE CORP | — | $1K | $1K | 2.24% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM INSURANCE COMPANY | — | $317 | $317 | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM INSURANCE COMPANY | $811 | — | $811 | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD. RALEIGH, NC 27612 | UNUM INSURANCE COMPANY | — | $153 | $153 | 2.83% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM INSURANCE COMPANY | $682 | — | $682 | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD. RALEIGH, NC 27612 | UNUM INSURANCE COMPANY | — | $137 | $137 | 3.01% |
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 | 142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 187 | $55K |
| Vision | AMERITAS LIFE INSURANCE CORP | 187 | $55K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 144 | $98K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 144 | $98K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 144 | $98K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 79 | $552K |
| Other(4 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 144 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.