| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 5605 CARNEGIE BLVD STE 300 CHARLOTTE, NC 28209 | HARTFORD LIFE AND ACCIDENT | $22K | $0 | $22K | 12.96% |
| MOSIAC GROUP SERVICES3 Filed as: MOSIAC GROUP SERVICES, LLC | PO BOX 2291 DURHAM, NC 27702 | HARTFORD LIFE AND ACCIDENT | $0 | $12K | $12K | 7.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $0 | $4K | $4K | 2.46% |
| BENEFITS INC3 Filed as: THE BENEFITS GROUP INC | 5 CORPORATE CTR CT STE 100 GREENSBORO, NC 27408 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 412703 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN, A MARSH & MCLENNAN | — | FOUR EVER LIFE INS CO. | $375 | $0 | $375 | 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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FOUR EVER LIFE INS CO. | 0 | $3K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 335 | $16K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 123 | $167K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 123 | $167K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 123 | $167K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 123 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | — |
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.