| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARRETT L PATTERSON3 | PO BOX 10641 RALEIGH, NC 27605 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $119K | $27K | $145K | 14.38% |
| BENEFITS COUNT INC3 | 1401 CHRISTMAS COURT RALEIGH, NC 27604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $847 | $2K | 0.20% |
| PIERCE GROUP BENEFITS LLC3 | 4928 LINKSLAND DR HOLLY SPRINGS, NC 27540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $10 | $2K | 0.19% |
| ROBERT TAYLOR GROUP INC3 | PO BOX 2000 WINTERVILLE, NC 28590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.12% |
| FRED RAAB3 | 2904 DUNHAVEN DR GARNER, NC 27529 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $602 | — | $602 | 0.06% |
| RICHARD RAMEY3 Filed as: RICHARD THARRINGTON | 1053 BULLARD COURT RALEIGH, NC 27615 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $124 | — | $124 | 0.01% |
| JIMMY JONES3 | 2200 CUSTOMS HOUSE COURT RALEIGH, NC 27615 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.00% |
| JANE A. PETERSON-OGLE3 Filed as: JANE A PETERSON OGLE | 86 HONEYSUCKLE LANE MILL SPRING, NC 28756 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.00% |
| JAMES MICHAEL DUBOVEC3 | 181 CORVINA DR CLAYTON, NC 27520 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $4 | $22 | 0.00% |
| AMY C WARREN3 | 703 OLDWYCK DR FUQUAY VARINA, NC 27526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.00% |
| LYNN MARIE BARRY3 Filed as: LYNN M MCLEOD | 93 SCHOOL HOUSE RD MILLS RIVER, NC 28759 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| JENNIFER GOLE3 | 261 WHALEY RD PENINSULA, OH 44264 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| STATE EMPLOYEE BENEFITS LLC3 | PO BOX 365 HOPE MILLS, NC 28348 | 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% |
| CRISSMAN MENDENHALL STEELMAN LLP3 | PO BOX 1456 YADKINVILLE, NC 27055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| WILLIAM A BURNETTE3 | PO BOX 785 BENSON, NC 27504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| HAROLD W WELLS & SONS INC3 | 1 NORTH 3RD STREET WILMINGTON, NC 28402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| LEON MARTIN3 | 1520 MARTIN STREET WINSTON SALEM, NC 27103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| FRANCES LYNN MCCARTER3 | 10331 LINKSLAND DR HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| LINDA P COLEMAN3 | 18908 RIVER WIND LANE DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| MORROW INSURANCE AGENCY INC3 Filed as: MORROW INSURANCE AGENCY | PO BOX 1109 HENDERSONVILLE, NC 28793 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURANCE AND BENEFITS | 13800 JACKSON RD MISHAWAKA, IN 46544 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| TIMOTHY J SWIDERSKI3 | 3316 SINGLELEAF LANE RALEIGH, NC 27616 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| STATEWIDE BENEFITS INC3 | PO BOX 20106 RALEIGH, NC 27619 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| MILTON FAULK3 | 2605 TATTON DR RALEIGH, NC 27608 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| LISA A PERRI3 | 775 ROUTE 70 E MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| TRUE PATRIOT BENEFITS LLC3 | 1005 HOUGH ROAD POLKTON, NC 28135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CURTIS LARSON3 Filed as: CURTIS D EPP | 420 BIRCHTREE VALLEY CT FUQUAY-VARINA, NC 27526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BILL DUNCAN3 | 1321 CHURCHILL DOWNS WAXHAW, NC 28173 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| WORKSITE BENEFIT SERVICES3 | 4317 NEW BRIGHTON DR APEX, NC 27539 | 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 COLEMAN | 18908 RIVER WIND LANE DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| FRED G TART3 | 3021 EXCEL HINSON RD WINGATE, NC 28174 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| UN HUI SMITH3 | PO BOX 1722 DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JOHN J SWIDERSKI3 | 3316 SINGLELEAF LANE RALEIGH, NC 27616 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 1.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF NC EIN 56-0894904 BENEFIT ADMNISTRATOR | Insurance agents and brokers; Claims processing Service code 12 | — | $2.0M |
| DELTA DENTAL OF NORTH CAROLINA EIN 56-1018068 BENEFIT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $166K |
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 N/A | Claims processing Service code 12 | — | $79K |
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 | 6,135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 202 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 6,337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SECU LIFE INSURANCE COMPANY | 13,550 | $983K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 2,751 | $1.0M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,181 | $820K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,550 | — |
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.