| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANIEL HYNES3 | 8024 GLENWOOD AVE, SUITE 250 RALEIGH, NC 27612 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $65K | — | $65K | 2.88% |
| THE HYNES COMPANIES INC3 Filed as: HYNES COMPANIES INC | 8024 GLENWOOD AVE, SUITE 250 RALEIGH, NC 27612 | USABLE LIFE | $17K | — | $17K | 9.49% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $9K | — | $9K | 5.15% |
| THE HYNES COMPANIES INC3 Filed as: THE HYNES COMPANIES | 8024 GLENWOOD AVE, SUITE 250 RALEIGH, NC 27617 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 4.62% |
| DANIEL HYNES3 | 8024 GLENWOOD AVE, SUITE 250 RALEIGH, NC 27612 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | — | $9K | 7.69% |
| ROBERT W. FOXWORTH INC3 | 217 BRANCHSIDE LANE HOLLY SPRINGS, NC 27540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 3.73% |
| DEBRA ANN FORMAN3 | 508 ASPEN GROVE DRIVE FUQUAY VARINA, NC 27526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $4K | 3.37% |
| SUSAN E. KEELER3 | 160 NAVIGATION CIR OSPREY, FL 34229 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 2.61% |
| GLENN ZIMMERMAN INC3 | 1510 HIGH ROCK ROAD GIBSONVILLE, NC 27249 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $394 | $3K | 2.52% |
| STEVEN GRIMES3 | 2728 HUNTINGTON RD. FAYETTEVILLE, NC 28303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $914 | $2K | 2.20% |
| JULIAN EMERSON3 | PO BOX 598 GEORGETOWN, SC 29442 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $630 | $2K | 1.63% |
| Z3 ENTERPRISES INC3 | 1510 HIGH ROCK ROAD GIBSONVILLE, NC 27249 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $161 | $2K | 1.54% |
| JOHN FLETCHER BRAND3 | 8333 US HIGHWAY 220 BUS N RANDLEMAN, NC 27406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $841 | — | $841 | 0.75% |
| ROBERT WOODFIN3 | 2401 FRASERBURGH DR. MATTHEWS, NC 28105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $750 | $67 | $817 | 0.73% |
| HOWARD HOROWITZ3 | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $322 | $140 | $462 | 0.41% |
| SWIDPRO LLC3 | 3316 SINGLELEAF LANE RALEIGH, NC 27616 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $245 | $177 | $422 | 0.37% |
| INSYNC BENEFITS INC3 | PO BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $381 | — | $381 | 0.34% |
| KEVIN J MILLER3 | PO BOX 1631 RAEFORD, NC 28376 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | $4 | $74 | 0.07% |
| MICHAEL N THORN3 Filed as: MICHAEL N. THORN | 3 MAINSAIL CT GREENSBORO, NC 27455 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | — | $71 | 0.06% |
| BENEFITS COUNT INC3 | 1401 CHRISTIMAS COURT RALEIGH, NC 27604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 0.04% |
| BRANDON MARCELLO CENTO3 | 17362 DOVEHOUSE LANE WESTFIELD, IN 46074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | $2 | $45 | 0.04% |
| MALINDA S OCH3 | 387 MEDINA ROAD, SUITE 500 MEDINA, OH 44256 | PARRISH TIRE CO OF AKRON | $1K | — | $1K | 1.38% |
| DANIEL HYNES3 | 8024 GLENWOOD AVE, SUITE 250 RALEIGH, NC 27612 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 8.13% |
| STEVEN GRIMES3 | 2728 HUNTINGTON RD. FAYETTEVILLE, NC 28303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $903 | $569 | $1K | 5.33% |
| Z3 ENTERPRISES INC3 | 1510 HIGH ROCK ROAD GIBSONVILLE, NC 27249 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $135 | $1K | 5.07% |
| DEBRA ANN FORMAN3 | 508 ASPEN GROVE DRIVE FUQUAY VARINA, NC 27526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $778 | $473 | $1K | 4.53% |
| ROBERT W. FOXWORTH INC3 | 217 BRANCHSIDE LANE HOLLY SPRINGS, NC 27540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.66% |
| SUSAN E. KEELER3 | 160 NAVIGATION CIR OSPREY, FL 34229 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $783 | — | $783 | 2.83% |
| JULIAN EMERSON4 | PO BOX 598 GEORGETOWN, SC 29442 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $394 | $227 | $621 | 2.25% |
| JOHN FLETCHER BRAND | 8333 US HIGHWAY 220 BUS N RANDLEMAN, NC 27317 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $275 | — | $275 | 1.00% |
| INSYNC BENEFITS INC3 | PO BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | — | $88 | 0.32% |
| KJELL T TERRELL3 | 327 GOLF COURSE DR RALEIGH, NC 27610 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.03% |
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 | 333 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 333 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 401 | $2.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 517 | $145K |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 401 | $2.3M |
| Life insurance | USABLE LIFE | 333 | $180K |
| Short-term disability | USABLE LIFE | 333 | $180K |
| Long-term disability | USABLE LIFE | 333 | $180K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 401 | $2.3M |
| Other(3 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 401 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 517 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.