| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARRETT L PATTERSON3 Filed as: BARRETT PATTERSON | PO BOX 10841 RALEIGH, NC 27605 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $112K | $8K | $120K | 12.46% |
| PIERCE GROUP BENEFITS LLC3 Filed as: PIERCE GROUP BENEFITS LIC | 4928 LINKSLAND DR HOLLY SPRINGS, NC 27540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 0.27% |
| ROBERT TAYLOR GROUP INC3 | PO BOX 2000 WINTERVILLE, NC 28590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.18% |
| MICHAEL L COUSINS3 Filed as: MICHAEL COUSINS | PO BOX 327 GARNER, NC 27529 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.12% |
| FRED RAAB3 | 2904 DUNHAVEN DR GARNER, NC 27529 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $762 | — | $762 | 0.08% |
| RICHARD RAMEY3 Filed as: RICHARD THARRINGTON | 1053 BULLARD COURT RALEIGH, NC 27615 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $176 | — | $176 | 0.02% |
| JIMMY JONES3 | 2200 CUSTOMS HOUSE CT RALEIGH, NC 27615 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.00% |
| STATE EMPLOYEE BENEFITS LLC3 | PO BOX 365 HOPE MILLS, NC 28348 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $4 | $7 | 0.00% |
| AMY C WARREN3 Filed as: AMY WARREN | 703 OLDWYCK DR FUQUAY VARINA, NC 27526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| WILLIAM A BURNETTE3 Filed as: WILLIAM BURNETTE | PO BOX 785 BENSON, NC 27504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| RUSSELL A HUNTER3 | 5250 SEWARD CIRCLE PFAFFTOWN, NC 27040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| JENNFIER GOLE3 | 261 WHALEY RD PENINSULA, OH 44264 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| JANE PETERSON-OGLE3 | 86 HONEYSUCKLE LANE MILL SPRING, NC 44264 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| JAMES DUBOVEC3 | 181 CORVINA DR CLAYTON, NC 27520 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| LYNN MCLEOD3 | 93 SCHOOL HOUSE RD MILLS RIVER, NC 28759 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| ELIZABETH KOENIG3 | PO BOX 1177 ENKA, NC 28728 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| MORROW INSURANCE AGENCY INC3 | PO BOX 1109 HENDERSONVILLE, NC 28793 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| REGENCY 21 INSURANCE AGENCY INC3 | 4928 LINKSLAND DRIVE HOLLY SPRINGS, NC 27540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| MILTON FAULK3 | 2605 TATTON DR RALEIGH, NC 27608 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| WNC BENEFITS GROUP3 Filed as: WNC BENEFITS GROUP INC | 93 SCHOOL HOUSE ROAD MILLS RIVER, NC 28759 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| FRED G TART3 Filed as: FRED TART | 3021 EXCEL HINSON RD WINGATE, NC 28174 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| FRANCES LYNN MCCARTER3 Filed as: FRANCES L. MCCARTER | 10331 LINKSLAND DR HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| LINDA P COLEMAN3 Filed as: LINDA COLEMAN | 18908 RIVER WIND LANE DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| WARREN CONSULTING GROUP INC3 | 703 OLDWYCK DR FUQUAY VARINA, NC 27526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| STATEWIDE BENEFITS INC3 Filed as: STATEWIDE BENEFITS | PO BOX 20106 RALEIGH, NC 27619 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| LISA A PERRI3 | 775 ROUTE 70 EAST MARITON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| TRUE PATRIOT BENEFITS LLC3 Filed as: TRUE PATRIOT BENEFITS INC | 1005 HOUGH ROAD POLKTON, NC 27540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CURTIS EPP3 | 420 BIRCHTREE VALLEY COURT FUQUAY VARINA, NC 27526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| DONNA N DWYER3 | 1540 WESTBROOK PLAZA DRIVE WINSTON SALEM, NC 27103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| PHIL COLEMAN3 | 18908 RIVERWIND LANE DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BILL DUNCAN3 | 1321 CHURCHILL DOWNS DR WAXHAW, NC 28173 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND KNAPP GROUP BENEFITS | 531 MAIN STREET BRANFORD, CT 06405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF NC EIN 56-0894904 BENEFIT ADMINISTRATOR | Claims processing; Insurance agents and brokers Service code 12 | PO BOX 2291 DURHAM, NC 27702 | $2.0M |
| DELTA DENTAL OF NC EIN 56-1018068 BENEFIT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | 4208 SIX FORKS ROAD SUITE 912 RALEIGH, NC 27609 | $1.8M |
| UNUM LIFE INSURANCE OF AMERICA EIN 01-0278678 ADMINISTRATIVE SERVICE | Claims processing Service code 12 | ONE FOUNTAIN SQUARE CHATTANOOGA, TN 37402 | $57K |
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 | 5,560 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 206 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 5,766 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SECU LIFE INSURANCE COMPANY | 12,302 | $895K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 2,415 | $960K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,468 | $520K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,302 | — |
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.