| 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 | $46K | $0 | $46K | 13.19% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM ST STE 200 GREENSBORO, NC 274552604 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 13.28% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.69% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM ST #200 GREENSBORO, NC 27455 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 15.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD #600 RALEIGH, NC 27612 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 4.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM ST #200 GREENSBORO, NC 27455 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 15.28% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD #600 RALEIGH, NC 27612 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 3.89% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM ST. #200 GREENSBORO, NC 27455 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 15.42% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD #600 RALEIGH, NC 27612 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 4.24% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP, LLC | 1031 CHUCK DAWLEY BLVD. MOUNT PLEASANT, SC 29464 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $852 | $0 | $852 | 6.92% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 NORTH ELM STREET #200 GREENSBORO, NC 27455 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 18.39% |
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 | 143 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 134 | $347K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 305 | $76K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 147 | $24K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 147 | $49K |
| Short-term disability | STANDARD INSURANCE COMPANY | 138 | $33K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 147 | $59K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE | 138 | $57K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 147 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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.