| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | DBA SENN DUNN INSURANCE PO BOX 9375 GREENSBORO, NC 274290375 | RELIASTAR LIFE INSURANCE COMPANY | $35K | $0 | $35K | 8.23% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD STE 220 RALEIGH, NC 276122956 | RELIASTAR LIFE INSURANCE COMPANY | $15K | $0 | $15K | 3.56% |
| SENN DUNN INSURANCE3 Filed as: SENN DUNN | A MARSH MCLENNAN AGENCY LLC 3625 N ELM ST #200 GREENSBORO, NC 274552604 | AMERITAS LIFE INSURANCE CORP | $8K | $0 | $8K | 4.70% |
| MMA TRION OPERATING3 | LBX 412703 MA5-527-02-07 2 MORRISEY BLVD DORCHESTER, MA 02125 | COMMUNITY EYE CARE | $6K | $0 | $6K | 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 | 530 | 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) | 532 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 930 | $180K |
| Vision | COMMUNITY EYE CARE | 626 | $61K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 530 | $427K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 530 | $427K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 530 | $427K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 530 | $438K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 930 | — |
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.