| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WES BARTLETT3 | PO BOX 9375 GREENSBORO, NC 274290375 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $55K | $0 | $55K | 1.90% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 419814 LOCKBOX 419814 BOSTON, MA 022419110 | KAISER FOUNDATION HEALTH PLAN INC | $15K | $4K | $19K | 3.67% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 419814 LOCKBOX 419814 BOSTON, MA 022419110 | KAISER FOUNDATION HEALTH PLAN INC | $9K | $0 | $9K | 2.81% |
| MARSH & MCLENNAN AGENCY LLC3 | 5605 CARNEGIE BOULEVARD SUITE 300 CHARLOTTE, NC 28209 | HARTFORD LIFE AND ACCIDENT | $32K | $0 | $32K | 13.29% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC | 4611 UNIVERSITY DR DURHAM, NC 27702 | HARTFORD LIFE AND ACCIDENT | $0 | $17K | $17K | 7.10% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST STE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $0 | $4K | $4K | 1.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $416 | $0 | $416 | 0.17% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N. ELM STREET GREENSBORO, NC 27455 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $32K | $458 | $32K | 46.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $587 | $2K | 2.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN MARSH MCLENNAN AGENCY LLC | 3625 NORTH ELM STREET SUITE 200 GREENSBORO, NC 27455 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | $0 | $4K | 11.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4819 EMPORER BOULEVARD SUITE 200 DURHAM, NC 27703 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.84% |
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 | 359 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 360 | 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 | 502 | $3.7M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 543 | $37K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 366 | $243K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 366 | $243K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 502 | $2.9M |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 502 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 543 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.