| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARLES JONES3 | P.O. BOX 29004 GREENSBORO, NC 27429 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $62K | — | $62K | 18.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN MARSH & MCLENNAN AGENCY L | PO BOX 9395 GREENSBORO, NC 27429 | HUMANA DENTAL INSURANCE COMPANY | $10K | — | $10K | 8.74% |
| IBSI HOLDINGS INC3 Filed as: IBSI HOLDINGS, INC. | PO BOX 24337 WINSTON-SALEM, NC 27114 | HUMANA DENTAL INSURANCE COMPANY | $6K | — | $6K | 5.38% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 16.54% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 2.05% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $809 | $809 | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $574 | — | $574 | 6.27% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N. ELM STREET GREENSBORO GREENSBORO, NC 27455 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $418 | $84 | $502 | 31.20% |
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 | 310 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 311 | $346K |
| Dental | HUMANA DENTAL INSURANCE COMPANY | 227 | $115K |
| Vision | COMMUNITY EYE CARE | 249 | $25K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 544 | $84K |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 143 | $51K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 544 | $93K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 311 | $346K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 544 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 544 | — |
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.