| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 3625 NORTH ELM STREET STE 200 GREENSBORO, NC 27455 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $34 | $6K | 2.70% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH MCLENNAN | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $4K | $28K | 14.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 17.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9395 GREENSBORO, NC 27429 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 12.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD. RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 21.97% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD. RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $411 | $411 | 1.65% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD. RALEIGH, NC 27612 | UNUM INSURANCE COMPANY | — | $477 | $477 | 2.00% |
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 | 460 | 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) | 461 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 645 | $217K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 608 | $281K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 331 | $65K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 608 | $199K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 154 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 645 | — |
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.