| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $4 | $4K | 4.12% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 | 109 BALLFIELD COURT HOCKESSIN, DE 19701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 1.88% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 | 9 DEARBORN LANE BEAR, DE 19701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $201 | $2K | 1.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY LLC | 7701 AIRPORT CENTER DR GREENSBORO, NC 27409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $650 | $0 | $650 | 0.63% |
| BRAD BIEL3 Filed as: BRAD LEE MUNDY | 108 BALMORE LN WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $432 | $4 | $436 | 0.42% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR GREENSBORO, NC 27409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $322 | $0 | $322 | 0.31% |
| TUCTO & ASSOCIATES CORP3 | 16 OCEAN PKWY BROOKLYN, NY 11218 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $261 | $0 | $261 | 0.25% |
| NICHOLAS CUSMANO3 | 79 PORT HERMAN RD CHESAPEAKE CY, MD 21915 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $169 | $0 | $169 | 0.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AGENCY | 550 SOUTH CALDWELL ST CHARLOTTE, NC 28202 | AETNA LIFE INSURANCE CO. | $552 | $0 | $552 | 8.38% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | AETNA LIFE INSURANCE CO. | $71 | $0 | $71 | 1.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $45K |
| MCGRIFF INSURANCE SERVICES (PA), A EIN 56-1623293 BROKER | Insurance agents and brokers Service code 22 | — | $29K |
| AETNA HEALTH PLANS EIN 06-6033492 ADMIN | Claims processing Service code 12 | — | $18K |
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 | 54 | 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) | 54 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 55 | $104K |
| Vision | AETNA LIFE INSURANCE CO. | 78 | $7K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 55 | $104K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 55 | $104K |
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 55 | $104K |
| Stop-loss / reinsurancereinsurance | CRUM & FORSTER | 52 | $203K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 55 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 78 | — |
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.