| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | TRUASSURE INSURANCE COMPANY | $11K | $0 | $11K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD CHARLOTTE, NC 28211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $577 | $6K | 8.09% |
| PETER MICHAEL FOLEY JR3 | 150 PAMPLICO AVE MOORESVILLE, NC 28117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $436 | $3K | 3.80% |
| CAROLINA BENEFITS SOURCE INC3 | 4461 NE 30TH AVE LIGHTHOUSE POINT, FL 33064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $8 | $2K | 2.53% |
| JACK ALLEN NORRIS3 | 2439 DUTCH BRANCH RD COLUMBIA, SC 29210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $133 | $1K | 1.94% |
| JANET S DOHERTY3 | 138 SKY RIDGE DR VALRICO, FL 33594 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $678 | $270 | $948 | 1.36% |
| DAVID MASON DOKELL3 | 127 GREAT POINT DR MOORESVILLE, NC 28117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $528 | $7 | $535 | 0.77% |
| MELISSA SWARD3 | 4461 NE 30TH AVE LIGHTHOUSE POINT, FL 33064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $329 | $84 | $413 | 0.59% |
| TUCKER RYAN SWARD3 | 200 WILBY DR CHARLOTTE, NC 28270 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $380 | $29 | $409 | 0.59% |
| AFFINITI INC3 | 6813 LINDA LAKE DR CHARLOTTE, NC 28215 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $380 | $0 | $380 | 0.55% |
| CAMBRIDGE FINANCIAL & INSURANCE GRO3 | 35 BRENDON WAY STE D GREENVILLE, SC 29616 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $187 | $62 | $249 | 0.36% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DR DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | $93 | $158 | 0.23% |
| MARK BRANNON SWARD3 | 8320 CARTER CREEK DR CHARLOTTE, NC 28227 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | $0 | $85 | 0.12% |
| ELITE ADMINISTRATION3 | 313 HARKINS BLUFF DR GREER, SC 29651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | $0 | $76 | 0.11% |
| WILLIAM T MILLER3 | 2908 OTRANTO RD NORTH CHARLESTON, SC 29406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | $0 | $68 | 0.10% |
| CREATIVE BENEFIT CONSULTANTS INC3 | 18214 102ND WAY S BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | $31 | $62 | 0.09% |
| FOUNDERS FINANCIAL GROUP LLC3 | 737 PLANTATION RD LANCASTER, SC 29720 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $1 | $26 | 0.04% |
| MODESTO DOMINGUEZ3 | 4220 HOULDSWORTH DR CHARLOTTE, NC 28213 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $0 | $24 | 0.03% |
| JESSE ARON SWARD3 | 4461 NE 30TH AVE LIGHTHOUSE POINT, FL 33064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $4 | $7 | 0.01% |
| 3C HOLDINGS INC3 Filed as: 3C HOLDINGS | 908 SYDNEY DR CHARLOTTE, NC 28270 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIAL PKWY ATLANTA, GA 30339 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $4K | $0 | $4K | 7.51% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY ATLANTA, GA 30339 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $6K | $0 | $6K | 15.05% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | COMMUNITY EYE CARE | $3K | $0 | $3K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD CHARLOTTE, NC 28211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $372 | $21 | $393 | 4.39% |
| CAROLINA BENEFITS SOURCE INC3 | 4461 NE 30TH AVE LIGHTHOUSE POINT, FL 33064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $177 | $0 | $177 | 1.98% |
| PETER MICHAEL FOLEY JR3 | 150 PAMPLICO LANE MOORESVILLE, NC 28117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $155 | $7 | $162 | 1.81% |
| JACK ALLEN NORRIS3 | 2439 DUTCH BRANCH RD COLUMBIA, SC 29210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | $9 | $91 | 1.02% |
| AFFINITI INC3 | 6813 LINDA LAKE DR CHARLOTTE, NC 28215 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | $0 | $75 | 0.84% |
| JANET S DOHERTY3 | 138 SKY RIDGE DR VALRICO, FL 33594 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | $11 | $47 | 0.52% |
| DAVID MASON DOKELL3 | 127 GREAT POINT DR MOORESVILLE, NC 28117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $0 | $23 | 0.26% |
| TUCKER RYAN SWARD3 | 200 WILBY DR CHARLOTTE, NC 28270 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $1 | $16 | 0.18% |
| CAMBRIDGE FINANCIAL & INSURANCE GRO3 | 35 BRENDON WAY STE D GREENVILLE, SC 29615 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $4 | $16 | 0.18% |
| ELITE ADMINISTRATION3 | 313 HARKINS BLUFF DR GREER, SC 29651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.15% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DR DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $6 | $10 | 0.11% |
| WILLIAM T MILLER3 | 2908 OTRANTO RD NORTH CHARLESTON, SC 29406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.11% |
| MARK BRANNON SWARD3 | 8230 CARTER CREEK DR CHARLOTTE, NC 28227 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.10% |
| FOUNDERS FINANCIAL GROUP LLC3 | 737 PLANTATION RD LANCASTER, SC 29720 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CORESOURCE INC EIN 35-1846036 NONE | Other services; Claims processing; Plan Administrator Service code 12 | 5200 SEVENTY-SEVEN CENTER DR 400 CHARLOTTE, NC 28217 | $90K |
| DIGITAL INSURANCE INC EIN 58-2522668 NONE | Consulting (general); Insurance agents and brokers Service code 16 | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | $51K |
| CIGNA PPO EIN 59-1031071 NONE | Claims processing; Other services Service code 12 | 11016 RUSHMORE DR STE 300 CHARLOTTE, NC 28277 | $31K |
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 | 191 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 68 | $79K |
| Dental | TRUASSURE INSURANCE COMPANY | 331 | $113K |
| Vision | COMMUNITY EYE CARE | 198 | $32K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 201 | $120K |
| Short-term disability(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 68 | $79K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 96 | $55K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 186 | $311K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 331 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.