| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANGELA L BROOKS3 | 3625 N. ELM STREET GREENSBORO, NC 27455 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $43K | $0 | $43K | 3.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3625 N ELM ST SUITE 200 GREENSBORO, NC 274552604 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $42 | $11K | 11.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN FL 16 DALLAS, TX 75231 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 14.26% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD. STE 600 RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.77% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN FL 16 DALLAS, TX 75231 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 11.12% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD. STE 600 RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.67% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST STE 800 WORCESTER, MA 01608 | USABLE LIFE | $2K | $0 | $2K | 10.00% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $1K | $0 | $1K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 30.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $392 | $392 | 2.34% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN FL 16 DALLAS, TX 75231 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD. STE 600 RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $645 | $645 | 4.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL LN FL 16 DALLAS, TX 75231 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD. STE 600 RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $523 | $523 | 4.72% |
| ANGELA L BROOKS3 | 3625 N. ELM STREET GREENSBORO, NC 27455 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $1K | $0 | $1K | 9.93% |
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 | 121 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 234 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 298 | $95K |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 207 | $10K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 114 | $57K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 76 | $24K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 110 | $33K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 234 | $1.1M |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 114 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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.