| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN MARSH & MCLENNAN AGENCY | PO BOX 9395 GREENSBORO, NC 27429 | HUMANADENTAL INSURANCE COMPANY | $25K | — | $25K | 15.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 NORTH ELM STREET GREENSBORO, NC 27429 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $2K | $13K | 17.56% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 NORTH ELM STREET GREENSBORO, NC 27455 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $902 | $1K | $2K | 3.44% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 NORTH ELM STREET GREENSBORO, NC 27429 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $754 | $7K | 16.86% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 NORTH ELM STREET GREENSBORO, NC 27455 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 8.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3625 NORTH ELM STREET GREENSBORO, NC 27429 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $251 | $2K | 17.57% |
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 | 375 | 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) | 377 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANADENTAL INSURANCE COMPANY | 241 | $168K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 428 | $33K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 325 | $75K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 103 | $41K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 96 | $70K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 325 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 428 | — |
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.