| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLEGACY BENEFIT SOLUTIONS LLC3 | PO BOX 25172 WINSTON-SALEM, NC 27114 | AMERITAS LIFE INSURANCE CORP | $11K | — | $11K | 5.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 3625 N ELM ST #200 GREENSBORO, NC 27455 | AMERITAS LIFE INSURANCE CORP | $3K | — | $3K | 1.67% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 | PO BOX 25172 WINSTON-SALEM, NC 27114 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 7.43% |
| MARSH & MCLENNAN AGENCY LLC3 | SUITE 200 3625 NORTH ELM ST GREENSBORO, NC 27455 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 2.57% |
| IMG3 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $46 | $46 | 0.03% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 | PO BOX 25172 WINSTON-SALEM, NC 27114 | TRANSAMERICA LIFE INSURANCE COMPANY | $21K | — | $21K | 26.08% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 419814 LOCKBOX 419814 BOSTON, MA 02241 | COMMUNITY EYE CARE | $1K | — | $1K | 3.73% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 | 1691 WESTBROOK PLAZA DRIVE WINSTON-SALEM, NC 27103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 11.57% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $818 | — | $818 | 3.59% |
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 | 243 | 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) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 530 | $202K |
| Vision | COMMUNITY EYE CARE | 388 | $29K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 266 | $161K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 266 | $161K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 266 | $161K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 285 | $264K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 530 | — |
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.