| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JONES, CHARLES S3 | PO BOX 29004 GREENSBORO, NC 27429 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $89K | $1K | $91K | 33.30% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: SENN DUNN MARSH & MCLENNAN AGENCY L | PO BOX 9395 GREENSBORO, NC 27429 | HUMANA DENTAL INSURANCE COMPANY | $14K | — | $14K | 10.19% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HUMANA DENTAL INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM | $10K | — | $10K | 17.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM | $3K | — | $3K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM | $2K | — | $2K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM | $2K | — | $2K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM | $19K | — | $19K | 53.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM | $2K | — | $2K | 4.87% |
| TRION GROUP, INC.3 Filed as: TRION GROUP | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | COMMUNITY EYE CARE | $3K | — | $3K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM | $1K | — | $1K | 17.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM | $419 | — | $419 | 4.99% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM | $620 | — | $620 | 12.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM | $258 | — | $258 | 4.99% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM | $378 | — | $378 | 17.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM | $111 | — | $111 | 4.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 NORTH ELM ST GREENSBORO, NC 27455 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $453 | — | $453 | 30.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM | $142 | — | $142 | 11.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM | $59 | — | $59 | 4.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CHARLES S JONES PLAN ADMINISTRATOR | Claims processing Service code 12 | PO BOX 29004 GREENSBORO, NC 29004 | $89K |
| MARSH & MCLENNAN AGENCY LLC | Claims processing Service code 12 | PO BOX 9375 GREENSBORO, NC 27429 | $29K |
| SENN DUNN MARSH & MCLENNAN AGENCY | Claims processing Service code 12 | PO BOX 9395 GREENSBORO, NC 27429 | $14K |
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 | 475 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 475 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 475 | $272K |
| Dental | HUMANA DENTAL INSURANCE COMPANY | 289 | $134K |
| Vision | COMMUNITY EYE CARE | 273 | $31K |
| Life insurance(3 contracts) | UNUM | 580 | $70K |
| Short-term disability(3 contracts, 2 carriers) | UNUM | 194 | $76K |
| Long-term disability(3 contracts) | UNUM | 120 | $43K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 475 | $272K |
| Other | UNUM | 120 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 580 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.