| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRANDON J MOOREFIELD3 | 3625 N ELM ST GREENSBORO, NC 27455 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $40K | $0 | $40K | 14.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN, MARSH & MCLENNAN AGENCY | PO BOX 9375 GREENSBORO, NC 27429 | RELIASTAR LIFE INSURANCE COMPANY | $51K | $0 | $51K | 23.05% |
| MOSIAC GROUP SERVICES3 Filed as: MOSIAC GROUP SERVICES LLC | PO BOX 2291 DURHAM, NC 27702 | RELIASTAR LIFE INSURANCE COMPANY | $6K | $8K | $14K | 6.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF NORTH CAROLINA | $7K | $0 | $7K | 4.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN, A MARSH MCLENNAN AGENCY | PO BOX 9375 GREENSBORO, NC 274290375 | COMMUNITY EYE CARE | $4K | $0 | $4K | 9.96% |
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 | 414 | 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) | 414 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 595 | $155K |
| Vision | COMMUNITY EYE CARE | 476 | $41K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 424 | $222K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 424 | $222K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 424 | $222K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 632 | $271K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 424 | $222K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 632 | — |
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.