| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN MARSH & MCLENNAN AGENCY | PO BOX 9395 GREENSBORO, NC 27429 | AETNA LIFE INSURANCE COMPANY | $36K | — | $36K | 20.58% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA TWO 250 PEHLE AVE SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE COMPANY | -$15K | — | -$15K | -8.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN A MARSH & MCLENNAN AGENCY | PO BOX 9375 GREENSBORO, NC 27429 | AMERITAS LIFE INSURANCE CORPORATION | $15K | — | $15K | 12.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA TOW 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | AMERITAS LIFE INSURANCE CORPORATION | — | $2K | $2K | 1.30% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 13.95% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $281 | $281 | 0.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN A MARSH & MCLENNAN AGENCY | PO BOX 9375 GREENSBORO, NC 27429 | COMMUNITY EYE CARE | $1K | — | $1K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 27.53% |
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 | 179 | 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) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 327 | $123K |
| Vision | COMMUNITY EYE CARE | 207 | $11K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 179 | $183K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 179 | $174K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 179 | $174K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 179 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 327 | — |
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.