| 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 | $42K | — | $42K | 10.97% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $33K | $7K | $41K | 17.26% |
| CURTIS LARSON3 Filed as: CURTIS D EPP | 420 BIRCHTREE VALLEY CT. FUQUAY-VARINA, NC 27526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $47 | $1K | 3.31% |
| MARSH & MCLENNAN AGENCY LLC3 | 2443 LYNN RD. RALEIGH, NC 27612 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $8 | $1K | 2.48% |
| PATRICIA L CARON3 | 816 BIG INDIAN LOOP MOORESVILLE, NC 28117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $461 | $37 | $498 | 1.22% |
| INSYNC BENEFITS INC3 Filed as: INSYNC BENEFITS INC. | PO BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $364 | $55 | $419 | 1.03% |
| CEDORA B LEVINER3 | PO BOX 758 KANNAPOLIS, NC 28082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $362 | — | $362 | 0.89% |
| KJELL T TERRELL3 | 327 GOLF COURSE DR. RALEIGH, NC 27610 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | — | $91 | 0.22% |
| SUSAN FONTANA FLYNN3 | 8814 EAGLE POINT DRIVE NASHVILLE, TN 37931 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.07% |
| ANTHONY THOMAS THIELGES3 | 8377 HIDDEN HILLS DR LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.02% |
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 | 204 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 55 | $41K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 204 | $235K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 204 | $235K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 55 | $41K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 204 | $235K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 188 | $379K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 204 | $276K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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.