| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CURI AGENCY LLC3 | 700 SPRING FOREST ROAD, SUITE 400 RALEIGH, NC 27609 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 4.41% |
| CURTIS LARSON3 Filed as: CURTIS D. EPP | 420 BIRCHTREE VALLEY COURT FUQUAY-VARINA, NC 27526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23K | $11K | $34K | 21.08% |
| MMIC AGENCY INC3 | 700 SPRING FOREST ROAD RALEIGH, NC 27609 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21K | $6K | $27K | 16.59% |
| INSYNC BENEFITS INC3 | PO BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 3.15% |
| EPPIC INSURANCE SERVICE LLC3 | 420 BIRCHTREE VALLEY COURT FUQUAY-VARINA, NC 27526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 1.64% |
| MARK PAGE3 | 311 MARSH OAKS DRIVE WILMINGTON, NC 28411 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $337 | $2K | 1.24% |
| BROOK COPELAND MELLOR3 | 2018 FRIPP LANE INDIAN TRAIL, NC 28079 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.01% |
| MMIC AGENCY INC3 | 700 SPRING FOREST ROAD RALEIGH, NC 27609 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $501 | $150 | $651 | 19.48% |
| CURTIS LARSON3 Filed as: CURTIS D. EPP | 420 BIRCHTREE VALLEY COURT FUQUAY-VARINA, NC 27526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $436 | $204 | $640 | 19.15% |
| EPPIC INSURANCE SERVICE LLC3 | 420 BIRCHTREE VALLEY COURT FUQUAY-VARINA, NC 27526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | $0 | $48 | 1.44% |
| MARK PAGE3 | 311 MARSH OAKS DRIVE WILMINGTON, NC 28411 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $7 | $41 | 1.23% |
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 | 394 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 394 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 462 | $225K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 320 | $162K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 462 | $222K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 462 | $225K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 462 | — |
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.