| 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 | $27K | $0 | $27K | 12.96% |
| MOSIAC GROUP SERVICES3 Filed as: MOSIAC GROUP SERVICES, LLC | 4611 UNIVERSITY DR DURHAM, NC 27702 | HARTFORD LIFE AND ACCIDENT | $0 | $15K | $15K | 7.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $0 | $5K | $5K | 2.29% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST STE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $0 | $2K | $2K | 1.04% |
| MARSH & MCLENNAN AGENCY LLC3 | EDMUND GARNO ONE S JEFFERSON ST ROANOKE, VA 24011 | DELTA DENTAL OF NORTH CAROLINA | $11K | $0 | $11K | 9.20% |
| MARSH & MCLENNAN AGENCY LLC3 | EDMUND GARNO 161 WASHINGTON ST CONSHOHOCKEN, PA 19428 | DELTA DENTAL OF NORTH CAROLINA | $927 | $0 | $927 | 0.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC | 1000 CORPORATE DR SUITE 400 FT LAUDERDALE, FL 333343628 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 16.27% |
| BENEFITS INC3 Filed as: THE BENEFITS GROUP INC | 5 CORPORATE CTR CT STE 100 GREENSBORO, NC 27408 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 16.20% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD STE 600 RALEIGH, NC 27612 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.07% |
| BENEFITS INC3 Filed as: THE BENEFITS GROUP INC | 5 CORPORATE CTR STE 100 GRRENSBORO, NC 27408 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $228 | $0 | $228 | 14.97% |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 284 | $115K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 148 | $18K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 145 | $210K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 145 | $210K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 145 | $210K |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 145 | $269K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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.