| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 5605 CARNEGIE BLVD. STE 300 CHARLOTTE, NC 28209 | HARTFORD LIFE AND ACCIDENT | $24K | $0 | $24K | 13.10% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | 4611 UNIVERSITY DR. DURHAM, NC 27702 | HARTFORD LIFE AND ACCIDENT | $0 | $13K | $13K | 7.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 100 FRONT ST. STE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $0 | $1K | $1K | 0.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | ONE S JEFFERSON ST. ROANOKE, VA 24011 | DELTA DENTAL OF NORTH CAROLINA | $12K | $0 | $12K | 8.82% |
| BENEFITS INC3 Filed as: THE BENEFITS GROUP INC | 5 CORPORATE CTR CT STE 100 GREENSBORO, NC 27408 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3626 N ELM ST SUITE 200 GREENSBORO, NC 27455 | NATIONAL VISION ADMINISTRATORS (NGL) | $3K | $0 | $3K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 1000 CORPORATE DR. SUITE 400 FT. LAUDERDALE, FL 333343628 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $908 | $0 | $908 | 15.00% |
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 | 147 | 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) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 18 | $6K |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 321 | $138K |
| Vision | NATIONAL VISION ADMINISTRATORS (NGL) | 150 | $26K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 149 | $185K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 149 | $185K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 149 | $185K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 149 | $212K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 321 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.