| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | TRION GROUP A MARSH MCLENNAN AGCY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 194062772 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $36K | $36K | 3.17% |
| MARSH & MCLENNAN AGENCY LLC3 | DBA SENN DUNN INSURANCE PO BOX 9375 GREENSBORO, NC 274290375 | RELIASTAR LIFE INSURANCE COMPANY | $34K | $0 | $34K | 2.99% |
| UMR, INC.3 Filed as: UMR INC | MARY GOSZ MAIL STOP 7320 11 SCOTT ST STE 100 WAUSAU, WI 544034888 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $22K | $22K | 1.90% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD STE 220 RALEIGH, NC 276122956 | RELIASTAR LIFE INSURANCE COMPANY | $15K | $0 | $15K | 1.33% |
| MARSH & MCLENNAN AGENCY LLC3 | BRANDON MOOREFIELD 161 WASHINGTON ST CONSHOHOCKEN, PA 19428 | DELTA DENTAL OF NORTH CAROLINA | $9K | $0 | $9K | 4.46% |
| MARSH & MCLENNAN AGENCY LLC3 | MMA TRION OPERATING LBX 412703 MA5-527-02-07 2 MORRISSEY BLVD DORCHESTER, MA 02125 | COMMUNITY EYE CARE | $5K | $0 | $5K | 10.00% |
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 | 520 | 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) | 522 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 729 | $211K |
| Vision | COMMUNITY EYE CARE | 621 | $53K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 520 | $1.1M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 520 | $1.1M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 520 | $1.1M |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 520 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 729 | — |
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.