| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY, LLC | PO BOX 96337 CHARLOTTE, NC 28296 | HARTFORD LIFE AND ACCIDENT | $23K | $0 | $23K | 9.35% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES, LLC | 227 WEST MONROE STREET, SUITE 5200 CHICAGO, IL 60606 | HARTFORD LIFE AND ACCIDENT | $0 | $3K | $3K | 1.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 896620 CHARLOTTE, NC 28289 | HARTFORD LIFE AND ACCIDENT | $4 | $0 | $4 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY, LLC | 3050 PEACHTREE ROAD NW, SUITE 475 ATLANTA, GA 30305 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | $0 | $14K | 9.99% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST STREET, SUITE 300 CHICAGO, IL 60654 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $2K | $2K | 1.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY, LLC | 3050 PEACHTREE ROAD NW, SUITE 475 ATLANTA, GA 30305 | COMMUNITY EYE CARE, LLC | $5K | $0 | $5K | 10.00% |
| KAREN A. SIMPSON3 | 7745 CHAPEL CREEK DRIVE DENVER, NC 28037 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $604 | $0 | $604 | 2.79% |
| 3C HOLDINGS INC3 Filed as: 3C HOLDINGS, INC. | 1631 ARNOLD DRIVE CHARLOTTE, NC 28205 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $497 | $0 | $497 | 2.30% |
| PETER MICHAEL FOLEY JR3 Filed as: PETER MICHAEL FOLEY, JR. | 30 GROVESIDE ROAD PORTLAND, ME 04102 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $360 | $0 | $360 | 1.67% |
| FOUNDERS FINANCIAL GROUP LLC3 Filed as: FOUNDERS FINANCIAL GROUP, LLC | 737 PLANTATION ROAD LANCASTER, SC 29720 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $175 | $0 | $175 | 0.81% |
| JOANNE K ROY3 Filed as: JOANNE K. ROY | 5500 TURKEY OAK DRIVE MINT HILL, NC 28227 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $135 | $0 | $135 | 0.62% |
| CAROLINA BENEFITS SOURCE INC3 Filed as: CAROLINA BENEFITS SOURCE, INC. | 4461 NE 30TH AVENUE LIGHTHOUSE PT, FL 33064 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $74 | $0 | $74 | 0.34% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM, INC. | 145 RIVER LANDING DRIVE UNIT 203 DANIEL ISLAND, SC 29492 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.06% |
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 | 176 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 189 | $141K |
| Vision | COMMUNITY EYE CARE, LLC | 361 | $48K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 195 | $270K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 195 | $270K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 195 | $248K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 195 | $273K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 361 | — |
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.