| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 3625 NORTH ELM STREET #200 GREENSBORO, NC 27455 | AMERITAS LIFE INSURANCE CORP | $15K | — | $15K | 7.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 5145 GREENVILLE, SC 29606 | AMERITAS LIFE INSURANCE CORP | — | $4K | $4K | 1.83% |
| MARSH & MCLENNAN AGENCY LLC3 | SUITE 200 3625 NORTH ELM ST GREENSBORO, NC 27455 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY & BARNEY MMC | PO BOX 85638 SAN DIEGO, CA 92186 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 5.29% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $48 | $48 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | TRANSAMERICA LIFE INSURANCE COMPANY | $13K | — | $13K | 16.99% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NORTH CAROLINA | 530 N TRADE STREET STE 302 WINSTON-SALEM, NC 27101 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | — | $6K | 7.27% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 419814 LOCKBOX 419814 BOSTON, MA 02241 | COMMUNITY EYE CARE | $3K | — | $3K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.20% |
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 | 237 | 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) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 547 | $210K |
| Vision | COMMUNITY EYE CARE | 385 | $27K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 273 | $163K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 273 | $163K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 273 | $163K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 273 | $259K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 547 | — |
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.