| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SENN DUNN INSURANCE3 Filed as: SENN DENN INSURANCE | PO BOX 419814 BOSTON, MA 02241 | UNITEDHEALTHCARE INSURANCE COMPANY | $83K | $0 | $83K | 20.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | ONE S JEFFERSON ST ROANOKE, VA 24011 | DELTA DENTAL OF NORTH CAROLINA | $20K | $0 | $20K | 9.15% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON ST STE 1200 CONSHOHOCKEN, PA 19428 | DELTA DENTAL OF NORTH CAROLINA | $2K | $0 | $2K | 0.80% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES - HQ | 100 SUMMIT LAKE DRIVE SUITE 400 VALHALLA, NY 10595 | TELADOC HEALTH, INC. | $668 | $0 | $668 | 1.60% |
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 | 876 | 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) | 876 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 718 | $214K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 822 | $396K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 822 | $396K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 822 | $396K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,109 | $438K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,109 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.