| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | DBA PROGRESSIVE BENEFIT SOLUTIONS PO BOX 12748 ROANOKE, VA 24028 | UNITED HEALTHCARE INSURANCE COMPANY | $59K | — | $59K | 11.01% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $31K | $6K | $36K | 17.16% |
| MARSH & MCLENNAN AGENCY LLC3 | 2443 LYNN RD. RALEIGH, NC 27612 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $452 | $4K | 9.35% |
| CURTIS LARSON3 Filed as: CURTIS D EPP | 420 BIRCHTREE VALLEY CT. FUQUAY-VARINA, NC 27526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $152 | $2K | 4.59% |
| INSYNC BENEFITS INC3 Filed as: INSYNC BENEFITS INC. | PO BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $802 | $267 | $1K | 2.44% |
| PATRICIA L CARON3 | 816 BIG INDIAN LOOP MOORESVILLE, NC 28117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $780 | $103 | $883 | 2.02% |
| CEDORA B LEVINER3 | PO BOX 758 KANNAPOLIS, NC 28082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $854 | $22 | $876 | 2.00% |
| KJELL T TERRELL3 | 327 GOLF COURSE DR. RALEIGH, NC 27610 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $306 | $43 | $349 | 0.80% |
| DANIEL G COE3 | PO BOX 758 KANNAPOLIS, NC 28082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $307 | — | $307 | 0.70% |
| ROBERT A CLOUDT3 | PO BOX 698 BARNESVILLE, GA 30204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $147 | — | $147 | 0.34% |
| SUSAN FONTANA FLYNN3 | 8814 EAGLE POINT DRIVE NASHVILLE, TN 37931 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | $6 | $66 | 0.15% |
| DAVID MASON DOKELL3 | 127 GREAT POINT DR MOORESVILLE, NC 28117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | $9 | $55 | 0.13% |
| BENEFITS COUNT INC3 Filed as: BENEFITS COUNT II INC | 248 RIVERWOOD DR LEWISVILLE, NC 27023 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $15 | $43 | 0.10% |
| ANTHONY THOMAS THIELGES3 | 8377 HIDDEN HILLS DR LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $1 | $15 | 0.03% |
| YOUNG AGENCY LLC3 | 326 WESLEY CIRCLE MACON, GA 31204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $2 | $12 | 0.03% |
| SPECTRUM SOLUTIONS INC3 | 213 GOVERNOR WALK KATHLEEN, GA 31047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.02% |
| LERMAN VENTURES INC3 | 2985 SURREY RIDGE ROAD CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $2 | $7 | 0.02% |
| OMEGA FINANCIAL AND INSURANCE SOLUT3 | 4663 CREEPING FIG CT LAS VEGAS, NV 89129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
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 | 201 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 62 | $44K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 202 | $211K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 202 | $211K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 62 | $44K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 202 | $211K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 191 | $538K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 202 | $255K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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.