| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RANDEL V TAYLOR3 | PO BOX 9375 GREENSBORO, NC 27429 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $33K | $1K | $34K | 4.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, INC. | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF NORTH CAROLINA | $8K | $0 | $8K | 11.81% |
| IBSI HOLDINGS INC3 Filed as: IBSI HOLDINGS, INC. | PO BOX 24337 WINSTON SALEM, NC 27114 | DELTA DENTAL OF NORTH CAROLINA | $4K | $0 | $4K | 4.92% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9395 GREENSBORO, NC 274290395 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $654 | $5K | 17.37% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9395 GREENSBORO, NC 274290395 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $556 | $4K | 15.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN, A MARSH & MCLENNAN AGCY | PO BOX 9375 GREENSBORO, NC 27429 | USABLE LIFE | $2K | $0 | $2K | 10.79% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $604 | $0 | $604 | 4.19% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9395 GREENSBORO, NC 274290395 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $249 | $1K | 12.17% |
| RANDAL V TAYLOR3 | PO BOX 9375 GREENSBORO, NC 27429 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $969 | $0 | $969 | 10.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 9395 GREENSBORO, NC 274290395 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $730 | $170 | $900 | 12.32% |
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 | 106 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 206 | $779K |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 203 | $71K |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 196 | $10K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 107 | $42K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 68 | $19K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 101 | $24K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 206 | $769K |
| Other | USABLE LIFE | 107 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.