| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9395 GREENSBORO, NC 27429 | HUMANADENTAL INSURANCE COMPANY | $18K | $686 | $19K | 13.38% |
| IBSI HOLDINGS INC3 | PO BOX 24337 WINSTON SALEM, NE 27114 | HUMANADENTAL INSURANCE COMPANY | $8K | — | $8K | 5.37% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 NORTH ELM STREET GREENSBORO, NC 27429 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $727 | $13K | 17.35% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 NORTH ELM STREET GREENSBORO, NC 27429 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $431 | $8K | 17.30% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 NORTH ELM STREET GREENSBORO, NC 27455 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 9.90% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 NORTH ELM STREET GREENSBORO, NC 27429 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $194 | $4K | 17.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3625 NORTH ELM STREET GREENSBORO, NC 27429 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $101 | $2K | 17.36% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 NONE | Direct payment from the plan; Other fees; Float revenue; Claims processing Service code 12 | — | $455K |
| UMR, INC. EIN 39-1995276 NONE | Claims processing Service code 12 | — | $91K |
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 | 275 | 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) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 253 | $23K |
| Dental | HUMANADENTAL INSURANCE COMPANY | 184 | $140K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 299 | $23K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 275 | $73K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 72 | $21K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 66 | $54K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 253 | $304K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 275 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.