| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 5605 CARNEGIE BLVD STE 300 CHARLOTTE, NC 282094641 | AMERITAS LIFE INSURANCE CORP | $6K | $0 | $6K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 5145 GREENVILLE, SC 296065145 | AMERITAS LIFE INSURANCE CORP | $0 | $1K | $1K | 2.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD STE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 18.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 200 BROOKSTONE CENTRE PKWY STE 118 COLUMBUS, GA 31904 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.34% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD STE 600 RALEIGH, NC 27612 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 15.00% |
| 0009K7263 Filed as: 0009K726 - UNKNOWN | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $841 | $841 | 3.31% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD STE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 16.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 200 BROOKSTONE CENTRE PKWY STE 118 COLUMBUS, GA 31904 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.83% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD STE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 14.92% |
| MARSH & MCLENNAN AGENCY LLC3 | 200 BROOKSTONE CENTRE PKWY STE 118 COLUMBUS, GA 31904 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $603 | $603 | 5.62% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 419814 BOSTON, MA 02241 | COMMUNITY EYE CARE | $962 | $0 | $962 | 10.00% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: MARSH & MCLENNAN AGENCY | 9850 NW 41ST ST STE 100 DORAL, FL 33178 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $149 | $0 | $149 | 4.97% |
| BETTENA L WINNICKI4 | 5748 WINDWORTH DR WINSTON SALEM, NC 27106 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $130 | $0 | $130 | 4.33% |
| ALLEGACY BENEFIT SOLUTIONS LLC4 Filed as: ALLEGACY BENEFITS SOLUTIONS | 1691 WESTBROOK PLAZA DR WINSTON SALEM, NC 27103 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $23 | $0 | $23 | 0.77% |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 182 | $59K |
| Vision | COMMUNITY EYE CARE | 145 | $10K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $34K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $38K |
| Other(4 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 117 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.