| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WES BARTLETT3 | PO BOX 9375 GREENSBORO, NC 27429 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $44K | — | $44K | 0.64% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 419814 LOCKBOX 419814 BOSTON, MA 02241 | KAISER FOUNDATION HEALTH PLAN INC | $99K | — | $99K | 2.93% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 419814 LOCKBOX 419814 BOSTON, MA 02241 | KAISER FOUNDATION HEALTH PLAN INC | $21K | — | $21K | 2.97% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 9.71% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | 4613 UNIVERSITY DRIVE DURHAM, NC 27707 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $11K | $11K | 7.29% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 4.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC HQ | 360 HAMILTON AVE STE 930 WHITE PLAINS, NY 10601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 12.25% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | 4613 UNIVERSITY DRIVE DURHAM, NC 27707 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $11K | $11K | 7.63% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 4.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC HQ | 360 HAMILTON AVE STE 930 WHITE PLAINS, NY 10601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: A MARSH MCLENNAN AGENCY | 3625 NORTH ELM STREET #200 GREENSBORO, NC 27455 | GUARDIAN LIFE INSURANCE COMPANY | $33K | $3K | $36K | 46.80% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 2734 N MILDRED AVE #3 CHICAGO, IL 60618 | GUARDIAN LIFE INSURANCE COMPANY | $607 | — | $607 | 0.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN, A MARSH MCLENNAN AGENCY | 3625 NORTH ELM STREET #200 GREENSBORO, NC 27455 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $6K | — | $6K | 13.29% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 16.51% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | 4613 UNIVERSITY DRIVE DURHAM, NC 27707 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 9.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $662 | $662 | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC HQ | 360 HAMILTON AVE STE 930 WHITE PLAINS, NY 10601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM INSURANCE COMPANY | $1K | — | $1K | 12.59% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM INSURANCE COMPANY | — | $428 | $428 | 4.21% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | 4613 UNIVERSITY DRIVE DURHAM, NC 27707 | UNUM INSURANCE COMPANY | — | $428 | $428 | 4.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC HQ | 360 HAMILTON AVE STE 930 WHITE PLAINS, NY 10601 | UNUM INSURANCE COMPANY | — | — | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM INSURANCE COMPANY | $1K | — | $1K | 12.47% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM INSURANCE COMPANY | — | $381 | $381 | 4.16% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | 4613 UNIVERSITY DRIVE DURHAM, NC 27707 | UNUM INSURANCE COMPANY | — | $381 | $381 | 4.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC HQ | 360 HAMILTON AVE STE 930 WHITE PLAINS, NY 10601 | UNUM INSURANCE COMPANY | — | — | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM ST GREENSBORO, NC 27455 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM INSURANCE COMPANY | $789 | — | $789 | 12.48% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM INSURANCE COMPANY | — | $263 | $263 | 4.16% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | 4613 UNIVERSITY DRIVE DURHAM, NC 27707 | UNUM INSURANCE COMPANY | — | $263 | $263 | 4.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC HQ | 360 HAMILTON AVE STE 930 WHITE PLAINS, NY 10601 | UNUM INSURANCE COMPANY | — | — | $0 | 0.00% |
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 | 415 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 426 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 1,016 | $10.9M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 790 | $78K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 701 | $44K |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 415 | $312K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 415 | $145K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 1,016 | $6.8M |
| Other(9 contracts, 5 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 1,016 | $7.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,016 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.