| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE BENEFITS SERVICE | PO BOX 11937 CHARLOTTE, NC 28220 | CIGNA | $78K | $0 | $78K | 4.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY LLC | 3050 PEACHTREE ROAD NW, SUITE 475 ATLANTA, GA 30305 | CIGNA | $15K | $0 | $15K | 0.89% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | CIGNA | $15K | $0 | $15K | 0.88% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | PO BOX 896620 CHARLOTTE, NC 28289 | HARTFORD LIFE AND ACCIDENT | $7K | $0 | $7K | 3.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY LLC | 3050 PEACHTREE ROAD NW ATLANTA, GA 30305 | HARTFORD LIFE AND ACCIDENT | $7K | $0 | $7K | 3.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY LLC | 3050 PEACHTREE ROAD NW, SUITE 475 ATLANTA, GA 30305 | AMERITAS LIFE INSURANCE CORP. | $3K | $0 | $3K | 3.34% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 47 AIRPARK COURT GREENVILLE, SC 29616 | AMERITAS LIFE INSURANCE CORP. | $0 | $3K | $3K | 3.26% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 5925 CARNEGIE BOULEVARD, SUITE 400 CHARLOTTE, NC 28209 | AMERITAS LIFE INSURANCE CORP. | $2K | $0 | $2K | 2.62% |
| UNITED PRODUCER GROUP, LLC3 | 1439 STUART ENGALS BOULEVARD UNIT 300 MOUNT PLEASANT, SC 29464 | AMERITAS LIFE INSURANCE CORP. | $995 | $0 | $995 | 1.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY LLC | PO BOX 96337 CHARLOTTE, NC 28296 | COMMUNITY EYE CARE | $2K | $0 | $2K | 5.04% |
| KAREN A. SIMPSON3 | 7745 CHAPEL CREEK DRIVE DENVER, NC 28037 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $850 | $0 | $850 | 3.73% |
| 3C HOLDINGS INC3 Filed as: 3C HOLDINGS, INC. | 4219 ALDERSHOT COURT CHARLOTTE, NC 28211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $507 | $0 | $507 | 2.23% |
| PETER MICHAEL FOLEY JR3 Filed as: PETER MICHAEL FOLEY, JR. | 30 GROVESIDE ROAD PORTLAND, ME 04102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $368 | $0 | $368 | 1.62% |
| FOUNDERS FINANCIAL GROUP LLC3 Filed as: FOUNDERS FINANCIAL GROUP, LLC | 737 PLANTATION ROAD LANCASTER, SC 29720 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $217 | $19 | $236 | 1.04% |
| JOANNE K ROY3 Filed as: JOANNE K. ROY | 5500 TURKEY OAK DRIVE MINT HILL, NC 28227 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $160 | $7 | $167 | 0.73% |
| CAROLINA BENEFITS SOURCE INC3 Filed as: CAROLINA BENEFITS SOUCE, INC. | 4461 NE 30TH AVENUE LIGHTHOUSE POINT, FL 33064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | $0 | $76 | 0.33% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM, INC. | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $13 | $34 | 0.15% |
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 | 172 | 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) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 172 | $1.7M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 374 | $95K |
| Vision | COMMUNITY EYE CARE | 313 | $43K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 183 | $216K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 183 | $216K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 183 | $193K |
| Prescription drug | CIGNA | 172 | $1.7M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 183 | $219K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 374 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.