| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER AND CLAY, LLC | TWO BUCKHEAD PLAZA ATLANTA, GA 30305 | HARTFORD LIFE AND ACCIDENT | $14K | $0 | $14K | 7.46% |
| WATCHTOWER BENEFITS, LLC3 | 227 WEST MONROE STREET, SUITE 5200 CHICAGO, IL 60606 | HARTFORD LIFE AND ACCIDENT | $0 | $882 | $882 | 0.47% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | PO BOX 896620 CHARLOTTE, NC 28289 | HARTFORD LIFE AND ACCIDENT | -$8 | $0 | -$8 | -0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER AND CLAY, LLC | 3050 PEACHTREE ROAD NW, SUITE 475 ATLANTA, GA 30305 | AMERITAS LIFE INSURANCE CORPORATION | $8K | $0 | $8K | 7.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER AND CLAY, LLC | PO BOX 96337 CHARLOTTE, NC 28296 | COMMUNITY EYE CARE | $5K | $0 | $5K | 10.00% |
| KAREN A. SIMPSON3 | 7745 CHAPEL CREEK DRIVE DENVER, NC 28037 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $552 | $0 | $552 | 2.54% |
| 3C HOLDINGS INC3 Filed as: 3C HOLDINGS, INC. | 1631 ARNOLD DRIVE CHARLOTTE, NC 28205 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $459 | $0 | $459 | 2.11% |
| PETER MICHAEL FOLEY JR3 Filed as: PETER MICHAEL FOLEY JR. | 30 GROVESIDE ROAD PORTLAND, ME 04102 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $333 | $0 | $333 | 1.53% |
| FOUNDERS FINANCIAL GROUP LLC3 Filed as: FOUNDERS FINANCIAL GROUP, LLC | 737 PLANTATION ROAD LANCASTER, SC 29720 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $162 | $0 | $162 | 0.74% |
| JOANNE K ROY3 Filed as: JOANNE K. ROY | 5500 TURKEY OAK DRIVE MINT HILL, NC 28227 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $126 | $0 | $126 | 0.58% |
| CAROLINA BENEFITS SOURCE INC3 Filed as: CAROLINA BENEFITS SOURCE, INC. | 4461 NE 30TH AVENUE LIGHTHOUSE POINT, FL 33064 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $68 | $0 | $68 | 0.31% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM, INC. | 145 RIVER LANDING DRIVE, SUITE 203 DANIEL ISLAND, SC 29492 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.05% |
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 | 183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 396 | $108K |
| Vision | COMMUNITY EYE CARE | 345 | $45K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 176 | $211K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 176 | $211K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 176 | $189K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 176 | $214K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 396 | — |
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.
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.