| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PIEDMONT INSURANCE & BENEFITS INC3 Filed as: PIEDMONT INSURANCE & BENEFITS | PO BOX 845 LEXINGTON, NC 26448 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $63K | $63K | 5.33% |
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 24393 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $92 | $92 | 0.01% |
| PIEDMONT INSURANCE & BENEFITS INC3 Filed as: PIEDMONT INS BENEFITS INC | 150 WEAVER DR LEXINGTON, NC 27292 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | — | $19K | 10.29% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $4K | $12K | 6.80% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | — | $39 | $39 | 0.02% |
| SWIDPRO LLC3 | 2025 LONESOME DOVE DRIVE FRANKLINTON, NC 27525 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $4K | $10K | 17.22% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 303395946 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $21 | $6K | 9.89% |
| PIEDMONT INSURANCE & BENEFITS INC3 Filed as: PIEDMONT INSURANCE & BENEFITS INC. | PO BOX 845 LEXINGTON, NC 27293 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 7.04% |
| GLENN ZIMMERMAN INC3 Filed as: GLENN ZIMMERMAN INC. | 1510 HIGH ROCK ROAD GIBSONVILLE, NC 27249 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $380 | $2K | 3.43% |
| Z3 ENTERPRISES INC3 | 1510 HIGH ROCK ROAD GIBSONVILLE, NC 27249 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $3 | $30 | 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 | 151 | 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) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 251 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 348 | $181K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 348 | $181K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 348 | $181K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 348 | $181K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 348 | $181K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 348 | $240K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 348 | — |
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."
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.