| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUZANNE R BROSEMER3 | 6889 WOODSVILLE ROAD HAYES, VA 23072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $31 | $1K | 3.53% |
| BENEFITS COUNT INC3 Filed as: BENEFITS COUNT LI INC | 1401 CHRISTMAS COURT RALEIGH, NC 27604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $822 | $308 | $1K | 3.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGENCY OF V | 11220 ASSETT LOOP NORFOLK, VA 20109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.02% |
| AFFORDABLE BENEFITS LLC3 | 1972 WINTERHAVEN DR VIRGINIA BEACH, VA 23456 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $748 | — | $748 | 2.12% |
| ARTHUR WAYNE JORDAN JR3 | 514 OAKWOOD AVENUE RALEIGH, NC 27601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $235 | $78 | $313 | 0.89% |
| JOHN E CUMMINGS3 | 204 QUAYSIDE CIR #501 MAITLAND, FL 32751 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $205 | — | $205 | 0.58% |
| NATOSIA VENUS MCNAIR3 | 9005 DANWOOD MANOR TERRACE RICHMOND, VA 23227 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $138 | — | $138 | 0.39% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $136 | — | $136 | 0.39% |
| DIANNE E MCCOY3 | 8087 RUTLAND VILLAGE DR MECHANICSVILLE, VA 23116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 0.13% |
| DEBRA LEWIS LINGER3 | 4236 WOODLAWN DRIVE RALEIGH, NC 27616 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | $2 | $41 | 0.12% |
| CARMEN CUTRONE3 | 4509 HUNTERS POINT DRIVE PORTSMOUTH, VA 23703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.04% |
| BARRETT L PATTERSON3 | PO BOX 10641 RALEIGH, NC 27616 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
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 | 190 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | OPTIMA ADVANTAGE POS M/C | 118 | $1.8M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 316 | $92K |
| Vision | VISION SERVICE PLAN | 128 | $36K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 35 | $35K |
| Prescription drug(5 contracts, 2 carriers) | OPTIMA ADVANTAGE POS M/C | 118 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.