| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DENNIS INSURANCE3 | 901 BATTLEGROUND AVE STE A GREENSBORO, NC 27408 | CIGNA HEALTH AND LIFE INSURANCE CO | $22K | — | $22K | 6.00% |
| DENNIS INSURANCE3 | 901 BATTLEGROUND SUITE A GREENSBORO, NC 27408 | SYMETRA LIFE | $12K | $4K | $15K | 17.78% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SVC LLC | 4615 UNIVERSITY DR DURHAM, NC 27707 | SYMETRA LIFE | $5K | — | $5K | 5.45% |
| DENNIS INSURANCE3 Filed as: DENNIS INSURANCE AND FINANCIAL | 901 BATTLEGROUND AVE STE A GREENSBORO, NC 27408 | SYMETRA LIFE | $11K | $4K | $14K | 17.78% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | 4615 UNIVERSITY DR DURHAM, NC 27707 | SYMETRA LIFE | $4K | — | $4K | 5.45% |
| DENNIS INSURANCE3 | 901 BATTLEGROUND AVE STE A GREENSBORO, NC 27408 | SYMETRA LIFE | $4K | $2K | $6K | 14.76% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | 4615 UNIVERSITY DR DURHAM, NC 27707 | SYMETRA LIFE | $0 | $2K | $2K | 5.71% |
| DENNIS INSURANCE3 | 901 BATTLEGROUND AVE SUITE A GREENSBORO, NC 27408 | HCC LIFE INSURANCE COMPANY | $2K | — | $2K | 6.00% |
| DENNIS INSURANCE3 | 901 BATTLEGROUND, STE A GREENSBORO, NC 27408 | GUARDIAN | $13K | $248 | $14K | 46.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INS CO EIN 59-1031071 0 | Other services; Non-monetary compensation; Claims processing; Direct payment from the plan; Float revenue; Named fiduciary; Participant communication; Contract Administrator Service code 12 | — | $31K |
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 | 265 | 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) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 204 | $29K |
| Vision | GUARDIAN | 204 | $29K |
| Life insurance | SYMETRA LIFE | 216 | $87K |
| Short-term disability | SYMETRA LIFE | 216 | $80K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE CO | 265 | $367K |
| Other(3 contracts, 2 carriers) | SYMETRA LIFE | 216 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.