| 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 | $56K | $0 | $56K | 4.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3625 N ELM ST SUITE 200 GREENSBORO, NC 274552604 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $0 | $12K | 12.01% |
| 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 | 1.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN FL 16 DALLAS, TX 75231 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 19.85% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN FL 16 DALLAS, TX 75231 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 16.76% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST STE 800 WORCESTER, MA 01608 | USABLE LIFE | $2K | $130 | $2K | 10.57% |
| 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 | 30.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $403 | $403 | 2.31% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 2 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $58 | $0 | $58 | 0.33% |
| 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 | $664 | $2K | 15.35% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN FL 16 DALLAS, TX 75231 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $788 | $2K | 16.44% |
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 | 120 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 222 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 277 | $96K |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 222 | $1.4M |
| Life insurance | USABLE LIFE | 107 | $23K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 66 | $25K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $34K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 222 | $1.4M |
| Other(4 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 222 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.