| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEITH EMORY GREENSPON3 Filed as: KEITH GREENSPON | 125 COTTAGE PLACE CHARLOTTE, NC 282070000 | CONNECTICUT GENRAL LIFE INSURANCE COMPANY AND AFFILIATES | $85K | — | $85K | 16.59% |
| KEITH EMORY GREENSPON3 Filed as: KEITH GREENSPON | 125 COTTAGE PLACE CHARLOTTE, NC 28207 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 15.24% |
| CHERYL W CRAWFORD3 Filed as: CHERYL W. CRAWFORD | 19701 BETHEL CHURCH RD CORNELIUS, NC 28031 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.29% |
| UN HUI SMITH3 | P.O. BOX 1722 DAVIDSON, NC 28036 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $983 | $49 | $1K | 1.79% |
| ROBERT P MCFARLAND3 Filed as: ROBERT P. MCFARLAND | 6739 MOUNTAIN MAJESTY WAY HUNTERSVILLE, NC 28078 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $931 | — | $931 | 1.62% |
| LEON MARTIN3 | 1520 MARTIN STREET WINSTON SALEM, NC 27103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $450 | — | $450 | 0.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: CHARLES W MARSH | 702 WYNBROOK SQUARE LN WINSTON SALEM, NC 27103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $255 | — | $255 | 0.44% |
| DAVID MASON DOKELL3 | 127 GREAT POINT DRIVE MOORESVILLE, NC 28117 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $176 | $8 | $184 | 0.32% |
| CHRISTINA S OSSI3 | 9209 DEER SPRING LANE CHARLOTTE, NC 28210 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $135 | $32 | $167 | 0.29% |
| DONNA N DWYER3 | 1540 WESTBROOK PLAZA DRIVE WINSTON SALEM, NC 27103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $93 | $65 | $158 | 0.27% |
| TREVOR JOHN MCCASKELL3 | 1204 DAKOTA SOUTH HURON, SD 57350 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $131 | — | $131 | 0.23% |
| INSYNC BENEFITS INC3 | PO BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $124 | $6 | $130 | 0.23% |
| STEPHANIE MARIE MCMAHON3 | 17785 GABERT RD MISLAND, SD 57762 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $95 | — | $95 | 0.17% |
| WESLEY DALE GINSBACH3 | 18704 KNUTSON RD NEWELL, SD 57760 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $80 | — | $80 | 0.14% |
| PHIL COLEMAN3 | 18908 RIVERWIND LN DAVIDSON, NC 28036 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $68 | — | $68 | 0.12% |
| TANYA WISHARD3 | PO BOX 307 CODORUS, PA 17311 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $44 | $2 | $46 | 0.08% |
| WORKSITE BENEFIT SERVICES3 | 8133 ROBINCREST CT FUQUAY VARINA, NC 27526 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.07% |
| JESSICA DWYER SURRATT3 | 1540 WESTBROOK PLAZA DR WINSTON SALEM, NC 27103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $32 | $1 | $33 | 0.06% |
| MARY JO CHAPPELL3 | 3203 NORTH TEXAS AVE BRYAN, TX 77803 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $28 | $4 | $32 | 0.06% |
| GERRIT VIS3 | 3147 ELMWOOD AVE ROCK VALLEY, IA 51247 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $20 | $30 | 0.05% |
| LINDA K WAGNER3 | 270 WEST PARK AVE HURON, SD 57350 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $7 | $17 | 0.03% |
| RENAE BILLINGSLEY3 | 1143 EAST 300 SOUTH BOUNTIFUL, UT 84010 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| SA GENERAL AGENCY INC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $2 | $3 | 0.01% |
| STEPHEN M HENSS LLC3 | 44 HERSHEY LANE PARKSBURG, PA 19365 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| GLORIA B WHITE3 | 3605 STECK AVE AUSTIN, TX 78759 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ANN ELISE REYES3 | 4219 CREEK LEDGE AUSTIN, TX 78731 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
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 | 298 | 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) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CONNECTICUT GENRAL LIFE INSURANCE COMPANY AND AFFILIATES | 253 | $511K |
| Life insurance(3 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 298 | $328K |
| Short-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 298 | $232K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 298 | $174K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 128 | $154K |
| 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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.