| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $16K | $0 | $16K | 3.48% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $26K | $0 | $26K | 17.35% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION | 4400 PARK ROAD SUITE 311 CHARLOTTE, NC 28209 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | $573 | $21K | 18.87% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N. ELM STREET GREENSBORO, NC 27455 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $2K | $15K | 13.96% |
| UNKNOWN3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $408 | $408 | 0.37% |
| PHILLIP PORTER GOODRUM3 | 131 HILLSIDE AVE CHARLOTTE, NC 28209 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $76 | $0 | $76 | 0.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | $0 | $18K | 17.34% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $0 | $13K | 17.37% |
| RUTH A ANDERSON4 | 331 S FAYETTEVILLE ST CLAYTON, SC 27520 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $2K | $0 | $2K | 9.77% |
| SDM&R, INC DBA SENN DUNN INSURANCE4 Filed as: SDM&R,INC DBA SENN DUNN INSURANCE | PO 9375 GREENSBORO, NC 27429 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $2K | $0 | $2K | 9.18% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 17.31% |
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 | 680 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 686 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 604 | $451K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 604 | $451K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 857 | $148K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 238 | $77K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 207 | $103K |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 857 | $288K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 857 | — |
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.