| 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 | $98K | $0 | $98K | 30.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN MARSH & MCLENNAN AGENCY L | PO BOX 9395 GREENSBORO, NC 27429 | HUMANA DENTAL INSURANCE COMPANY | $11K | — | $11K | 7.72% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM | $11K | — | $11K | 16.57% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM | — | $1K | $1K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC | PO BOX 9375 GREENSBORO, NC 27429 | UNUM | $2K | — | $2K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM | — | $739 | $739 | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN MARSH & MCLENNAN AGENCY L | PO BOX 9395 GREENSBORO, NC 27429 | COMMUNITY EYE CARE | $3K | $0 | $3K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM | $3K | — | $3K | 12.35% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM | — | $137 | $137 | 0.57% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM | $2K | — | $2K | 16.37% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM | — | $265 | $265 | 2.22% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM | $518 | — | $518 | 17.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM | — | $78 | $78 | 2.67% |
| MARSH & MCLENNAN AGENCY LLC | 3625 N. ELM STREET GREENSBORO GREENSBORO, NC 27455 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $303 | — | $303 | 30.06% |
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 | 455 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 455 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 455 | $322K |
| Dental | HUMANA DENTAL INSURANCE COMPANY | 295 | $137K |
| Vision | COMMUNITY EYE CARE | 277 | $29K |
| Life insurance(2 contracts) | UNUM | 50 | $78K |
| Short-term disability(3 contracts, 2 carriers) | UNUM | 183 | $62K |
| Long-term disability(3 contracts) | UNUM | 96 | $93K |
| Other | UNUM | 96 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 455 | — |
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.