| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 | UNKNOWN RICHMOND, VA 23227 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $109K | — | $109K | 19.13% |
| WELLS FARGO INSURANCE SERVICES3 | PO BOX 203510 DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $48K | — | $48K | 8.89% |
| WELLS FARGO INSURANCE SERVICES3 | 5151 BELTLINE ROAD, SUITE 200 DALLAS, TX 75254 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $4K | $10K | 1.78% |
| WELLS FARGO INSURANCE SERVICES3 | PO BOX 203334 DALLAS, TX 75320 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $27 | $16K | 4.32% |
| WELLS FARGO INSURANCE SERVICES3 | 1018 WEST 9TH AVENUE KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12K | $12K | 3.25% |
| MORRIS POWELL3 | 5002 BLUE GRASS COURT WILMINGTON, NC 28409 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $37K | $15K | $52K | 21.26% |
| MJ INSURANCE3 Filed as: BRENDA KNIGHT AND VARIOUS AGENTS | 821 KING'S GRANT SAINT SIMON ISLAND, GA 31522 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18K | $7K | $24K | 9.96% |
| WELLS FARGO INSURANCE SERVICES3 | PO BOX 201629 DALLAS, TX 75320 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $20K | $2K | $22K | 8.96% |
| JERRY DUNCAN3 Filed as: JERRY FORBIS JR. | PO BOX 1025 PIKEVILLE, NC 27863 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $4K | $7K | 2.78% |
| B & B INSURANCE SOLUTIONS INC3 Filed as: B AND B INSURANCE SOLUTIONS, INC. | 14716 SW 112 TERRACE MIAMI, FL 33196 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 2.02% |
| EMMA ANN DEAN3 | 350 SOUTH BELVEDERE DRIVE HAMPSTEAD, NC 28443 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $174 | $3K | 1.08% |
| PENELOPE DEAN KENNY3 | 3555 SOUTH OCEAN BOULEVARD APARTMENT 215 SOUTH PALM BEACH, FL 33480 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $407 | $3K | 1.08% |
| WELLS FARGO INSURANCE SERVICES3 | PO BOX 203491 DALLAS, TX 75320 | VISION SERVICE PLAN | $3K | — | $3K | 2.53% |
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 | 601 | 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) | 601 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 857 | $569K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,646 | $365K |
| Vision | VISION SERVICE PLAN | 1,011 | $110K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 601 | $538K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 601 | $538K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 601 | $538K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 857 | $569K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 601 | $781K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,646 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.