| 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 | $40K | $0 | $40K | 1.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 419814 LOCKBOX 419814 BOSTON, MA 022419110 | KAISER FOUNDATION HEALTH PLAN INC | $46K | $0 | $46K | 2.96% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 419814 LOCKBOX 419814 BOSTON, MA 022419110 | KAISER FOUNDATION HEALTH PLAN INC | $14K | $0 | $14K | 2.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 5605 CARNEGIE BLVD STE 300 CHARLOTTE, NC 28209 | HARTFORD LIFE AND ACCIDENT | $55K | $0 | $55K | 13.15% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC | 4611 UNIVERSITY DR DURHAM, NC 27702 | HARTFORD LIFE AND ACCIDENT | $0 | $29K | $29K | 7.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $0 | $11K | $11K | 2.59% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 NORTH ELM STREET GREENSBORO, NC 27455 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $33K | $4K | $38K | 32.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN, MARSH & MCLENNAN AGENCY | 3625 N. ELM STREET #200 GREENSBORO, NC 27455 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $7K | $0 | $7K | 12.27% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $676 | $813 | $1K | 22.01% |
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 | 514 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 522 | 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 | 606 | $6.1M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 785 | $56K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 540 | $416K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 540 | $416K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 606 | $4.0M |
| Other(4 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 606 | $4.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 785 | — |
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.