| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SENN DUNN INSURANCE Filed as: SENN DUNN | PO BOX 9395 GREENSBORO, NC 27429 | HUMANA | $3K | $3K | $7K | 8.51% |
| SENN DUNN INSURANCE Filed as: SENN DUNN | PO BOX 24337 WINSTON SALEM, NC 27114 | HUMANA | $4K | — | $4K | 4.94% |
| MARSH & MCLENNAN AGENCY LLC | PO BOX 9375 GREENSBORO, NC 27429 | UNUM LIFE INSURANCE COMPANY | $8K | — | $8K | 12.00% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNON AGENCY LLC | 2443 LYNN RD STE 208 RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY | — | $1K | $1K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 935 GREENSBORO, NC 27429 | VISION SERVICE PLAN | $2K | — | $2K | 10.00% |
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 | 284 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 284 | $1.4M |
| Dental | HUMANA | 230 | $77K |
| Vision | VISION SERVICE PLAN | 132 | $15K |
| Life insurance | UNUM LIFE INSURANCE COMPANY | 232 | $65K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY | 232 | $65K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 284 | $1.4M |
| Other | UNUM LIFE INSURANCE COMPANY | 232 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.