| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEITH EMORY GREENSPON3 Filed as: KEITH GREENSPON | 125 COTTAGE PLACE CHARLOTTE, NC 28207 | CONNECTICUT GENRAL LIFE INSURANCE COMPANY AND AFFILIATES | $82K | — | $82K | 15.39% |
| KEITH EMORY GREENSPON3 Filed as: KEITH GREENSPON | 125 COTTAGE PLACE CHARLOTTE, NC 28207 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 15.07% |
| CHERYL W CRAWFORD3 | 19701 BETHEL CHURCH RD CORNELIUS, NC 28031 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.65% |
| UN HUI SMITH3 | PO BOX 1722 DAVIDSON, NC 28036 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $928 | $58 | $986 | 1.73% |
| R0BERT P MCFARLAND3 | 111 NORTH PINE ISLAND DR PLANTATION, FL 33324 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $926 | — | $926 | 1.63% |
| LEON MARTIN3 | 1520 MARTIN STREET WINSTON SALEM, NC 27103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $655 | $6 | $661 | 1.16% |
| WHICKER PARTNERSHIPS INC3 | 6775 DORAL DR TOBACCOVILLE, NC 27050 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $223 | $36 | $259 | 0.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: CHARLES W MARSH | 6155 CHAMBERLAIN PL WINSTON SALEM, NC 27103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $233 | — | $233 | 0.41% |
| DONNA N DWYER3 | 1540 WESTBROOK PLAZA DRIVE WINSTON SALEM, NC 27103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $114 | $94 | $208 | 0.37% |
| DAVID MASON DOKELL3 | 127 GREAT POINT DR MOORESVILLE, NC 28117 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $170 | $14 | $184 | 0.32% |
| INSYNC BENEFITS INC3 | PO BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $112 | $11 | $123 | 0.22% |
| PHIL COLEMAN3 | 18908 RIVERWIND LN DAVIDSON, NC 28036 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $77 | — | $77 | 0.14% |
| WESLEY DALE GINSBACH3 | 18704 KNUTSON RD NEWELL, SD 57760 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 0.10% |
| MARY JO CHAPPELL3 | 109 COUNTRY ROAD 251 CAMERON, TX 76520 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $44 | $6 | $50 | 0.09% |
| WORKSITE BENEFIT SERVICES3 | 4317 NEW BRIGHTON DR APEX, NC 27539 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.07% |
| TANYA WISHARD3 | PO BOX 307 CODORUS, PA 17311 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.06% |
| CHRISTINA S OSSI3 | 2141 BELOTE PL JACKSONVILLE, FL 32207 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $21 | $1 | $22 | 0.04% |
| TREVOR JOHN MCCASKELL3 | 1204 DAKOTA SOUTH HURON, SD 57350 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.04% |
| MAGDALENA RUIZ DE GOMEZ3 | 163 STILLWOOD DR NEWNAN, GA 30265 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.04% |
| 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 | $2 | $2 | $4 | 0.01% |
| ROBERT RUSHING3 | 223 W ANDERSON LANE AUSTIN, TX 78752 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| GERRIT VIS3 | 3147 ELMWOOD AVE ROCK VALLEY, IA 51247 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.01% |
| GLORIA B WHITE3 | 3605 STECK AVE AUSTIN, TX 78759 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| LINDA K WAGNER3 | 270 WEST PARK AVE HURON, SD 57350 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 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 | 334 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 340 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONNECTICUT GENRAL LIFE INSURANCE COMPANY AND AFFILIATES | 275 | $534K |
| Dental | CONNECTICUT GENRAL LIFE INSURANCE COMPANY AND AFFILIATES | 275 | $534K |
| Vision | CONNECTICUT GENRAL LIFE INSURANCE COMPANY AND AFFILIATES | 275 | $534K |
| Life insurance(3 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 334 | $340K |
| Short-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 334 | $237K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 334 | $181K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 129 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 334 | — |
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.