| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARLES S JONES3 | PO BOX 29004 GREENSBORO, NC 27429 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $50K | — | $50K | 3.93% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 NORTH ELM STREET SUITE 200 GREENSBORO, NC 27455 | PRINCIPAL LIFE INSURANCE COMPANY | $18K | $12K | $30K | 19.57% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | PO BOX 2291 DURHAM, NC 27702 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $1K | $8K | 5.37% |
| MARSH & MCLENNAN AGENCY LLC3 | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | PRINCIPAL LIFE INSURANCE COMPANY | — | $4K | $4K | 2.42% |
| JOHN F ROSSER JR3 | 629 GREEN VALLEY ROAD SUITE 202 GREENSBORO, NC 27408 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 16.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLELLAN AGENCY LLC | 2 WILLIAM T MORRISSEY BLVD DORCHESTER, MA 021253312 | VISION SERVICE PLAN | $765 | — | $765 | 7.43% |
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 | 118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 141 | $1.3M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 183 | $156K |
| Vision | VISION SERVICE PLAN | 93 | $10K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 183 | $156K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 183 | $156K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 183 | $156K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 141 | $1.3M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 110 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.