| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 5605 CARNEGIE BOULEVARD, SUITE 300 CHARLOTTE, NC 28209 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 5605 CARNEGIE BOULEVARD, SUITE 300 CHARLOTTE, NC 28209 | HARTFORD LIFE AND ACCIDENT | $28K | $0 | $28K | 9.57% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC | 4611 UNIVERSITY DRIVE DURHAM, NC 27702 | HARTFORD LIFE AND ACCIDENT | $0 | $18K | $18K | 5.93% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 200 WASHINGTON, DC 20006 | HARTFORD LIFE AND ACCIDENT | $12K | $0 | $12K | 3.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $0 | $4K | $4K | 1.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 100 FRONT STREET, SUITE 800 WORCHESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $0 | $2K | $2K | 0.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 3625 NORTH ELM STREET, SUITE 200 GREENSBORO, NC 27455 | AMERITAS LIFE INSURANCE CORP. | $10K | $0 | $10K | 8.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 5145 GREENVILLE, SC 29606 | AMERITAS LIFE INSURANCE CORP. | $0 | $2K | $2K | 1.82% |
| GAY W. WILSON3 | 331 STEPHEN BOULEVARD WINSTON SALEM, NC 27107 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $125 | $0 | $125 | 3.05% |
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 | 244 | 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) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 172 | $343K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 380 | $113K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 380 | $113K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 244 | $300K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 244 | $296K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 244 | $296K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 172 | $343K |
| Other | HARTFORD LIFE AND ACCIDENT | 244 | $296K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 380 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.