| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SEAN DUNN INS, A MARSH & MCLENNAN A | PO BOX 9375 GREENSBORO, NC 274290375 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 0.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SEAN DUNN INS, A MARSH & MCLENNAN A | PO BOX 9375 GREENSBORO, NC 274290375 | AMERITAS LIFE INSURANCE CORP | $38K | — | $38K | 12.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA TWO SADDLEBROOK, NJ 076635832 | AMERITAS LIFE INSURANCE CORP | — | $9K | $9K | 2.87% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9395 GREENSBORO, NC 274290375 | HARTFORD LIFE AND ACCIDENT | $23K | — | $23K | 13.46% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST STE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 2.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | 1504 E. FRANKLIN ST 200 CHAPEL HILL, NC 27514 | $176K |
| SENN DUNN INS, A MARSH & MCLENNAN A EIN 26-3237576 BROKER | Other commissions Service code 55 | PO BOX 9375 GREENSBORO, NC 274290375 | $0 |
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 | 362 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 816 | $317K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 362 | $168K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 362 | $168K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 713 | $791K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 713 | $959K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 816 | — |
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.