| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DENNIS INSURANCE3 Filed as: DENNIS INSURANCE AND FINANCIAL | 901 BATTLEGROUND AVE STE A GREENSBORO, NC 27408 | SYMETRA LIFE | $13K | $8K | $22K | 20.18% |
| DENNIS INSURANCE3 Filed as: DENNIS INSURANCE GROUP | 901 BATTLEGROUND AV SUITE A GREENSBORO, NC 27408 | SYMETRA LIFE | $12K | $8K | $20K | 20.18% |
| DENNIS INSURANCE3 | 901 BATTLEGROUND AVE STE A GREENSBORO, NC 27408 | SYMETRA LIFE | $4K | $2K | $5K | 14.80% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | 4615 UNIVERSITY DR DURHAM, NC 27707 | SYMETRA LIFE | $0 | $2K | $2K | 6.54% |
| DENNIS INSURANCE3 | 901 BATTLEGROUND, STE A GREENSBORO, NC 27408 | GUARDIAN | $11K | $283 | $11K | 46.37% |
| DENNIS INSURANCE3 | 901 BATTLEGROUND AVE SUITE A GREENSBORO, NC 27408 | HCC LIFE INSURANCE COMPANY | $1K | — | $1K | 6.00% |
| DENNIS INSURANCE3 | 901 BATTLEGROUND SUITE A GREENSBORO, NC 27408 | SYMETRA LIFE | $990 | $635 | $2K | 20.19% |
| DANIELLE GRADY3 Filed as: DANIELLE D GRADY | 901 BATTLEGROUND AVE STE A GREENSBORO, NC 27408 | BLUE CROSS BLUE SHIELD OF NC | $19K | — | $19K | — |
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 | 249 | 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) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NC | 249 | $0 |
| Dental | GUARDIAN | 196 | $24K |
| Vision | GUARDIAN | 196 | $24K |
| Life insurance(2 contracts) | SYMETRA LIFE | 252 | $108K |
| Short-term disability | SYMETRA LIFE | 141 | $107K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NC | 249 | $0 |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NC | 249 | $0 |
| Other(4 contracts, 2 carriers) | SYMETRA LIFE | 252 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.