| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 100 N TRYON STREET STE 3600 CHARLOTTE, NC 28202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $24K | — | $24K | 3.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 440 SOUTH CHURCH STREET SUITE 500 CHARLOTTE, NC 27612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 11.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 419814 BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $4K | $9K | 10.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N. ELM STREET GREENSBORO, NC 27455 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $34K | — | $34K | 64.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 419814 BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $2K | $4K | 8.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 440 SOUTH CHURCH STREET SUITE 500 CHARLOTTE, NC 27612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 7.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 440 SOUTH CHURCH STRET SUITE 500 CHARLOTTE, NC 27612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 7.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 419814 BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $1K | $3K | 7.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 440 SOUTH CHURCH STREET SUITE 500 CHARLOTTE, NC 27612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $740 | — | $740 | 11.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 419814 BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $376 | $280 | $656 | 9.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 419814 BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $243 | $242 | $485 | 8.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 440 SOUTH CHURCH STREET SUITE 500 CHARLOTTE, NC 27612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $483 | — | $483 | 7.99% |
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 | 301 | 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) | 301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 573 | $745K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 344 | $131K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 338 | $49K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 573 | $745K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 344 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 573 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.