| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGNECY, LLC | PO BOX 9375 GREENSBORO, NC 274290375 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $0 | $22K | 12.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3625 N ELM ST SUITE 200 GREENSBORO, NC 274552604 | METROPOLIAN LIFE INSURANCE COMPANY | $9K | $42 | $9K | 11.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 250 PEHLE AVE. SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NH 076635826 | METROPOLIAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN, A MARSH MCLENNAN AGENCY | PO BOX 9375 GREENSBORO, NC 27429 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $649 | $0 | $649 | 8.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN, A MARSH MCLENNAN AGENCY | 3625 NORTH ELM STREET #200 GREENSBORO, NC 27455 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $72 | $0 | $72 | 0.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN, A MARSH MCLENNAN AGENCY | 3625 NORTH ELM STREET GREENSBORO, NC 27455 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $68 | $0 | $68 | 0.86% |
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 | 113 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLIAN LIFE INSURANCE COMPANY | 240 | $83K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 130 | $8K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 113 | $172K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 113 | $172K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 113 | $172K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 113 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.