| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCLEAN, ROBERT M3 Filed as: MCLEAN, ROBERT L | PO BOX 1889 FORT MILL, SC 29716 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $40K | — | $40K | 2.31% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 STE 1650 ATLANTA, GA 33039 | AMERITAS LIFE INSURANCE CORP | $11K | $4K | $16K | 12.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 3625 N ELM ST #200 GREENSBORO, NC 274552604 | AMERITAS LIFE INSURANCE CORP | $4K | — | $4K | 3.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | AMERITAS LIFE INSURANCE CORP | — | $829 | $829 | 0.64% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $11K | $659 | $11K | 11.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM ST GREENSBORO, NC 27455 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 3.28% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST, STE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 2.01% |
| ENROLLEASE3 Filed as: ONE DIGITAL | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 33039 | EYEMED | $1K | — | $1K | 6.57% |
| SENN DUNN INSURANCE3 | P.O. BOX 9375 GREENSBORO, NC 27429 | EYEMED | $510 | — | $510 | 3.01% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | TELADOC, INC. | $448 | — | $448 | 6.98% |
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 | 153 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 310 | $1.7M |
| Dental | AMERITAS LIFE INSURANCE CORP | 316 | $130K |
| Vision | EYEMED | 255 | $17K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 166 | $103K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 166 | $103K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 166 | $103K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 310 | $1.7M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 310 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.