| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN INS, MARSH & MCLENNAN | PO BOX 9375 GREENSBORO, NC 274290375 | UNITEDHEALTHCARE INSURANCE COMPANY | $47K | — | $47K | 10.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLELLAN AGENCY LLC | PO BOX 419814 BOSTON, MA 022419814 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $3K | $3K | 0.67% |
| JOHN F ROSSER JR3 | 629 GREEN VALLEY ROAD SUITE 202 GREENSBORO, NC 27408 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 14.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLELLAN AGENCY LLC | PO BOX 9395 GREENSBORO, NC 274290375 | STARMOUNT LIFE INSURANCE CO. | $8K | — | $8K | 9.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLELLAN AGENCY LLC | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | STARMOUNT LIFE INSURANCE CO. | — | $4K | $4K | 4.59% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | STARMOUNT LIFE INSURANCE COMPANY | $4K | — | $4K | 8.73% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | STARMOUNT LIFE INSURANCE COMPANY | $2K | — | $2K | 3.64% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 274290375 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 16.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $360 | $360 | 4.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLELLAN AGENCY LLC | 2 WILLIAM T MORRISSEY BLVD DORCHESTER, MA 021253312 | VISION SERVICE PLAN | $634 | — | $634 | 8.27% |
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 | 130 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 101 | $440K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 71 | $48K |
| Vision(2 contracts, 2 carriers) | STARMOUNT LIFE INSURANCE COMPANY | 84 | $56K |
| Life insurance(2 contracts, 2 carriers) | STARMOUNT LIFE INSURANCE CO. | 110 | $88K |
| Short-term disability | STARMOUNT LIFE INSURANCE CO. | 110 | $80K |
| Long-term disability | STARMOUNT LIFE INSURANCE CO. | 110 | $80K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 110 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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.