| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HYNES COMPANIES INC3 Filed as: HYNES COMPANIES INC | 4505 FALLS OF NEUSE ROAD SUITE 350 RALEIGH, NC 27609 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $72K | — | $72K | 2.60% |
| THE HYNES COMPANIES INC3 Filed as: HYNES COMPANIES INC | 4505 FALLS OF NEUSE ROAD SUITE 350 RALEIGH, NC 27609 | USABLE LIFE | $19K | — | $19K | 9.43% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $11K | — | $11K | 5.11% |
| HYNES COMPANIES INCS3 | 4505 FALLS OF NEUSE ROAD SUITE 350 RALEIGH, NC 27609 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 5.40% |
| DANIEL HYNES3 | 4505 FALLS OF NEUSE ROAD SUITE 350 RALEIGH, NC 27609 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | — | $10K | 7.59% |
| DEBRA ANN FORMAN3 | 508 ASPEN GROVE DRIVE FUQUAY VARINA, NC 27526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $3K | $8K | 6.33% |
| GRIMES INSURANCE LLC3 Filed as: GRIMES INSURANCE | 2728 HUNTINGTON RD. FAYETTEVILLE, NC 28303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $4K | $8K | 5.92% |
| SUSAN E. KEELER | 9222 54TH CT E PARRISH, FL 34219 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 2.56% |
| ROBERT W. FOXWORTH INC3 | 217 BRANCHSIDE LANE HOLLY SPRINGS, NC 27540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.90% |
| Z3 ENTERPRISES INC3 | 1510 HIGH ROCK ROAD GIBSONVILLE, NC 27249 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $109 | $1K | 1.17% |
| JOHN FLETCHER BRAND | 8333 US HIGHWAY 220 BUS N RANDLEMAN, NC 27317 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.09% |
| ROBERT WOODFIN3 | 2401 FRASERBURGH DR. MATTHEWS, NC 28105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $668 | $294 | $962 | 0.75% |
| GLENN ZIMMERMAN INC Filed as: GLENN ZIMMERMAN | 1510 HIGH ROCK RD GIBSONVILLE, NC 27249 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $930 | $11 | $941 | 0.74% |
| JULIAN EMERSON4 | PO BOX 598 GEORGETOWN, SC 29442 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $533 | $285 | $818 | 0.64% |
| HOWARD HOROWITZ | 2610 ALCOTT ST CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $510 | $201 | $711 | 0.56% |
| INSYNC BENEFITS INC3 | PO BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $291 | — | $291 | 0.23% |
| JUAN CARLOS SUAREZ | 5415 BRIDGEGATE DR WINSTON SALEM, NC 27106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $211 | $27 | $238 | 0.19% |
| SWIDPRO LLC | 4944 WINDY HILL DR STE A RALEIGH, NC 27609 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $165 | $59 | $224 | 0.18% |
| BRANDON MARCELLO CENTO | 13816 FERNLEAF WAY CARMEL, IN 46033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | $6 | $72 | 0.06% |
| MICHAEL N THORN Filed as: MICHAEL THORN | 8120 JOSEPH WESTON CT GREENSBORO, NC 27455 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | — | $62 | 0.05% |
| BENEFITS COUNT INC Filed as: BENEFITS COUNT LI INC | 1401 CHRISTMAS CT RALEIGH, NC 27604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 0.04% |
| SEAN R HILDRETH3 Filed as: SEAN HILDRETH | 434 TUCKER RD GRIMESLAND, NC 27837 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $5 | $39 | 0.03% |
| KEVIN J MILLER | PO BOX 1631 RAEFORD, NC 28376 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.02% |
| MALINDA S OCH | 387 MEDINA ROAD, SUITE 500 MEDINA, OH 44256 | FEENEY MCINTYRE (PARRISH TIRE CO OF AKRON) | $875 | — | $875 | 1.55% |
| GRIMES INSURANCE LLC Filed as: GRIMES INSURANCE | 2728 HUNTINGTON RD FAYETTEVILLE, NC 28303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $830 | $904 | $2K | 6.47% |
| DANIEL HYNES | 4505 FALLS OF NEUSE ROAD SUITE 350 RALEIGH, NC 27609 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 6.44% |
| DEBRA ANN FORMAN | 508 ASPEN GROVE DRIVE FUQUAY VARINA, NC 27526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $696 | $322 | $1K | 3.80% |
| SUSAN E. KEELER Filed as: SUSAN KEELER | 9222 54TH CT E PARRISH, FL 34219 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $611 | — | $611 | 2.28% |
| ROBERT W. FOXWORTH INC | 217 BRANCHSIDE LANE HOLLY SPRINGS, NC 27540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $528 | — | $528 | 1.97% |
| JOHN FLETCHER BRAND | 1911 HUNTERWOODS DR. HIGHPOINT, NC 27265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $344 | — | $344 | 1.28% |
| DEBRA ANN FORMAN | 508 ASPEN GROVE DRIVE FUQUAY VARINA, NC 27526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $250 | $74 | $324 | 1.21% |
| Z3 ENTERPRISES INC | 4807 WHISPER OAK DR TRINITY, NC 27370 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $235 | $1 | $236 | 0.88% |
| JUAN CARLOS SUAREZ | 5415 BRIDGEGATE DR WINSTON SALEM, NC 27106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $164 | $21 | $185 | 0.69% |
| JULIAN EMERSON | PO BOX 1631 RAEFORD, NC 28376 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | $40 | $136 | 0.51% |
| INSYNC BENEFITS INC | PO BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $86 | — | $86 | 0.32% |
| SWIDPRO LLC | 3316 SINGLELEAF LANE RALEIGH, NC 27616 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $9 | $33 | 0.12% |
| ROBERT WOODFIN | 2401 FRASERBURGH DR. MATTHEWS, NC 28105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $8 | $24 | 0.09% |
| KJELL T TERRELL | 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 | 349 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 349 | 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 | 333 | $2.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 522 | $136K |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 333 | $2.8M |
| Life insurance | USABLE LIFE | 349 | $206K |
| Short-term disability | USABLE LIFE | 349 | $206K |
| Long-term disability | USABLE LIFE | 349 | $206K |
| Other(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 132 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 522 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.