| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CURTIS LARSON3 Filed as: CURTIS D. EPP | 420 BIRCHTREE VALLEY COURT FUQUAY-VARINA, NC 27526 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22K | $1K | $23K | 12.97% |
| INSYNC BENEFITS INC3 Filed as: INSYNC BENEFITS, INC. | PO BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $488 | $2K | 1.11% |
| PIERCE GROUP BENEFITS LLC3 Filed as: PIERCE GROUP BENEFITS, LLC | 4928 LINKSLAND DRIVE HOLLY SPRINGS, NC 27540 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $556 | — | $556 | 0.31% |
| MJ INSURANCE3 Filed as: MICHAEL C PEVEAR AND VARIOUS AGENTS | 907 NASH STREET NW WILSON, NC 27893 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $425 | $11 | $436 | 0.24% |
| DAVID C CHARLAND3 Filed as: DAVID C. CHARLAND | 4928 LINKSLAND DRIVE HOLLY SPRINGS, NC 27540 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $250 | — | $250 | 0.14% |
| WILLIAM B CRUSE3 Filed as: WILLIAM B. CRUSE | 8304 SLEEPY CREEK DRIVE RALEIGH, NC 27540 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $139 | — | $139 | 0.08% |
| DOUGLAS M STUTESMAN3 Filed as: DOUGLAS M. STUTESMAN | 282 HOGANS VALLEY WAY CARY, NC 27513 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $71 | — | $71 | 0.04% |
| CURTIS LARSON3 Filed as: CURTIS D. EPP | 420 BIRCHTREE VALLEY COURT FUQUAY-VARINA, NC 27526 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 9.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 20351 DALLAS, TX 75320 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $191 | $4K | 18.93% |
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 | 344 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 344 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 344 | $206K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 425 | $29K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 339 | $202K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 284 | $181K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 339 | $21K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 339 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 425 | — |
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.