| 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 | $7K | $0 | $7K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 5145 GREENVILLE, SC 296065145 | AMERITAS LIFE INSURANCE CORP | $0 | $1K | $1K | 2.13% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 18.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 17335 GOLF PKWY STE 450 BROOKFIELD, WI 53045 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.77% |
| 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 | — | $854 | $854 | 2.91% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 16.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 17335 GOLF PKWY STE 450 BROOKFIELD, WI 53045 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 6.43% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 17335 GOLF PKWY STE 450 BROOKFIELD, WI 53045 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $645 | $645 | 5.95% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 419814 BOSTON, MA 02241 | COMMUNITY EYE CARE | $1K | $0 | $1K | 10.01% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: MARSH & MCLENNAN AGENCY | STE 100 9850 NW 41ST ST DORAL, FL 331782986 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $173 | $0 | $173 | 5.16% |
| BETTENA L WINNICKI4 | 5748 WINDWORTH DR WINSTON SALEM, NC 271069784 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $138 | $0 | $138 | 4.12% |
| ALLEGACY BENEFIT SOLUTIONS LLC4 Filed as: ALLEGACY BENEFITS SOLUNTIONS | 1691 WESTBROOK PLAZA DR WINSTON SALEM, NC 271032993 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $21 | $0 | $21 | 0.63% |
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 | 125 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 193 | $66K |
| Vision | COMMUNITY EYE CARE | 160 | $11K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 125 | $35K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 125 | $40K |
| Other(4 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.