| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CP GREENSBORO, INC.3 | — | CIGNA | $30K | — | $30K | 18.16% |
| CP GREENSBORO, INC.3 | — | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.41% |
| CP GREENSBORO, INC.3 | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 4.23% |
| CP GREENSBORO, INC.3 | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| CP GREENSBORO, INC.3 | — | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 10.04% |
| CP GREENSBORO, INC.3 | — | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $277 | — | $277 | 1.88% |
| CP GREENSBORO, INC.3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 24.53% |
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 | 130 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA | 130 | $209K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 130 | $10K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 130 | $52K |
| Short-term disability(3 contracts, 3 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 130 | $82K |
| Long-term disability(3 contracts, 3 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 130 | $75K |
| Prescription drug | CIGNA | 92 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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.