| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC-NC | 2301 SUGAR BUSH RD STE 600 RALEIGH, NC 276123382 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $30K | $30K | 2.92% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES-NC | 3318 W FRIENDLY AVE STE 400 GREENSBORO, NC 274104885 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | -$2 | -$2 | -0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $608 | $5K | 24.19% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON ST STE 1200 CONSHOHOCKEN, PA 19428 | USABLE LIFE | $2K | $0 | $2K | 10.98% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $897 | $0 | $897 | 5.49% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON ST STE 1200 CONSHOHOCKEN, PA 19428 | USABLE LIFE | $1K | $0 | $1K | 10.96% |
| MOSIAC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $674 | $0 | $674 | 5.48% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | VISION SERVICE PLAN | $1K | $0 | $1K | 10.79% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N. ELM STREET GREENSBORO, NC 27455 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 34.90% |
| 0009K7263 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $285 | $285 | 2.72% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 2734 N MILDRED AVE #3 CHICAGO, IL 60618 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $71 | $0 | $71 | 0.68% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON ST STE 1200 CONSHOHOCKEN, PA 19428 | USABLE LIFE | $2K | $0 | $2K | 16.48% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $1K | $0 | $1K | 10.98% |
| SDM&R, INC DBA SENN DUNN INSURANCE3 | PO BOX 9375 GREENSBORO, NC 27429 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $240 | $0 | $240 | 9.99% |
| RUTH A ANDERSON3 | 331 S FAYETTEVILLE ST CLAYTON, NC 27520 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $168 | $0 | $168 | 6.99% |
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 | 136 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 175 | $1.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $10K |
| Vision | VISION SERVICE PLAN | 98 | $12K |
| Life insurance(2 contracts) | USABLE LIFE | 137 | $23K |
| Long-term disability | USABLE LIFE | 137 | $16K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 137 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.