| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC-SENN DU | 3625 N. ELM STREET GREENSBORO GREENSBORO, NC 27455 | HUMANA DENTAL INSURANCE COMPANY | $6K | — | $6K | 8.79% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $5K | 16.28% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC5 Filed as: MARSH & MCCLENNAN AGENCY LLC | PO BOX 9375 GREENSBORO, NC 27429 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $6K | 22.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $428 | $2K | 8.00% |
| MARSH & MCLENNAN AGENCY LLC | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY LLC | PO BOX 9375 GREENSBORO, NC 27429 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $798 | $2K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC5 Filed as: MARSH & MCCLENNAN AGENCY LLC | PO BOX 9375 GREENSBORO, NC 27429 | UNUM INSURANCE COMPANY | $770 | $262 | $1K | 16.67% |
| MARSH & MCLENNAN AGENCY LLC5 Filed as: MARSH & MCCLENNAN AGENCY LLC | PO BOX 9375 GREENSBORO, NC 27429 | UNUM INSURANCE COMPANY | $556 | $191 | $747 | 15.31% |
| MARSH & MCLENNAN AGENCY LLC5 Filed as: MARSH & MCCLENNAN AGENCY LLC | PO BOX 9375 GREENSBORO, NC 27429 | UNUM INSURANCE COMPANY | $441 | $221 | $662 | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY LLC | 3625 N. ELM STREET GREENSBORO GREENSBORO, NC 27455 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $348 | $75 | $423 | 17.37% |
| WATCHTOWER BENEFITS, LLC5 Filed as: WATCHTOWER BENEFITS LLC | 2734 N MILDRED AVE #3 CHICAGO, IL 60618 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12 | — | $12 | 0.49% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | MEDCOST BENEFIT SERVICES | $23K | $101K | $125K | — |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | MEDCOST BENEFIT SERVICES | — | — | $0 | — |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | RXBENEFITS, INC. | — | $6K | $6K | — |
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 | 184 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNUM INSURANCE COMPANY | 204 | $11K |
| Dental(2 contracts, 2 carriers) | HUMANA DENTAL INSURANCE COMPANY | 204 | $72K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 124 | $16K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 296 | $57K |
| Short-term disability(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 68 | $29K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 296 | $31K |
| Prescription drug | RXBENEFITS, INC. | 187 | $0 |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 296 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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."
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.