| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORESOURCE, INC.3 | 2105 WATER RIDGE PKWY STE 600 CHARLOTTE, NC 28217 | HCC LIFE INSURANCE COMPANY | $2K | — | $2K | 0.74% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | — | $25K | 13.17% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD. RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 2.38% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 13.31% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD. RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $9K | $9K | 5.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 9375 GREENSBORO, NC 27429 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 12.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY. LLC | 2301 SUGAR BUSH RD. RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN MARSH & MCLENNAN AGENCY | PO BOX 9375 GREENSBORO, NC 27429 | EYEMED | $5K | — | $5K | 9.88% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 32.56% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD. RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 2.93% |
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 | 739 | 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) | 740 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | EYEMED | 936 | $50K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 949 | $241K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 447 | $191K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 447 | $191K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 739 | $261K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 949 | $278K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 949 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.