| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB& INSURANCE SERVICES INC | 414 GALLIMORE DAIRY RD, STE F GREENSBORO, NC 274099693 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $1K | $11K | 5.46% |
| TRI-CO INSURANCE AGENCY3 Filed as: TRI-CO INC | PO BOX 997 LILLINGTON, NC 275460997 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $293 | $11K | 5.15% |
| BB&T ISURANCE SERVICES, INC.3 Filed as: BB&T ISURANCE SERVICES INC | 3605 GLENWOOD AVE RALEIGH, NC 276124954 | METROPOLITAN LIFE INSURANCE COMPANY | — | $31 | $31 | 0.01% |
| PIERCE GROUP BENEFITS LLC3 | 4928 LINKSLAND DR HOLLY SPRINGS, NC 27540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $379 | $10K | 17.60% |
| BENEFIT CHOICES INC DHI3 | PO BOX 1588 PINEHURST, NE 28370 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $117 | $7K | 12.65% |
| REGENCY 21 INSURANCE AGENCY INC3 | 4928 LINKSLAND DRIVE HOLLY SPRINGS, NC 27540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.38% |
| STATE EMPLOYEE BENEFITS LLC3 | PO BOX 365 HOPE MILLS, NC 28348 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $398 | $78 | $476 | 0.87% |
| WILLIAM A BURNETTE3 | PO BOX 785 BENSON, NC 27504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | — | $72 | 0.13% |
| BARRETT L PATTERSON3 | PO BOX 10641 RALEIGH, NC 27605 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 0.08% |
| KEVIN J MILLER3 | 45 PINEVALLEY LN SANFORD, NE 27332 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.08% |
| AMY C WARREN3 | 703 OLDWYCK DR FAQUAY VARINA, NC 27526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.07% |
| ROBERT WOODFIN3 | 2401 FRASERBURGH MATTHEWS, NC 28105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.05% |
| ROBERT TAYLOR GROUP INC3 | PO BOX 2000 WINTERVILLE, NC 28590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.03% |
| FRED RAAB3 | 2904 DUNHAVEN DR GARNER, NC 27529 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.03% |
| STEVEN GRIMES3 | PO BOX 365 HOPE MILLS, NC 28348 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $3 | $11 | 0.02% |
| JIMMY JONES3 | 2200 CUSTOMS HOUSE CT RALEIGH, NC 27615 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 3605 GLENWOOD AVE RALEIGH, NC 27612 | USABLE LIFE | $3K | — | $3K | 5.87% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $3K | — | $3K | 5.00% |
| TRI-CO INSURANCE AGENCY3 | PO BOX 2291 DURHAM, NE 27702 | USABLE LIFE | $2K | — | $2K | 4.13% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3605 GLENWOOD AVE RALEIGH, NC 27612 | USABLE LIFE | $3K | — | $3K | 5.84% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $2K | — | $2K | 5.00% |
| TRI-CO INSURANCE AGENCY3 | PO BOX 997 LILLINGTON, NE 27546 | USABLE LIFE | $2K | — | $2K | 4.16% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $4K | — | $4K | 10.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3605 GLENWOOD AVE RALEIGH, NC 27612 | USABLE LIFE | $3K | — | $3K | 8.42% |
| TRI-CO INSURANCE AGENCY3 | PO BOX 997 LILLINGTON, NC 27546 | USABLE LIFE | $3K | — | $3K | 6.58% |
| TRI-CO INSURANCE AGENCY3 Filed as: TRI-CO INC | PO BOX 997 LILLINGTON, NE 27546 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $962 | — | $962 | 5.00% |
| BB&T INSURANCE SERVICES, INC.3 | 250 WEST FORST STREET SUITE 100 WINSTON SALEM, NC 27101 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $951 | — | $951 | 4.94% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $549 | — | $549 | 10.00% |
| TRI-CO INSURANCE AGENCY3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $549 | — | $549 | 10.00% |
| TRI-CO INSURANCE AGENCY3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $549 | — | $549 | 10.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3605 GLENWOOD AVE RALEIGH, NC 27612 | USABLE LIFE | $467 | — | $467 | 8.50% |
| TRI-CO INSURANCE AGENCY3 | PO BOX 997 LILLINGTON, NC 27546 | USABLE LIFE | $356 | — | $356 | 6.48% |
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 | 361 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 365 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 403 | $588K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 584 | $209K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 403 | $608K |
| Life insurance | USABLE LIFE | 454 | $54K |
| Long-term disability | USABLE LIFE | 332 | $45K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 403 | $588K |
| Other(4 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 454 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 584 | — |
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.