| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIANA M MASON3 | PO BOX 10489 LYNCHBURG, VA 24506 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $17K | — | $17K | 0.30% |
| MATTHEW A MCQUIDE3 | 8049 CORPORATE CENTER DRIVE CHARLOTTE, NC 28226 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $17K | — | $17K | 0.30% |
| BENEFITS COUNT INC3 Filed as: BENEFITS COUNT II INC | 1401 CHRISTIMAS COURT RALEIGH, NC 27604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19K | $6K | $25K | 7.39% |
| USI INSURANCE SERVICES LLC3 | 8049 CORPORATE CENTER DRIVE CHARLOTTE, NC 28226 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23K | $60 | $23K | 6.71% |
| KJELL T TERRELL3 | 327 GOLF COURSE DRIVE RALEIGH, NC 27610 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $1K | $6K | 1.75% |
| JAMES A SCOTT & SON INC3 | DBA SCOTT INSURANCE CHARLOTTE, NC 28260 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 1.13% |
| ARTHUR WAYNE JORDAN JR3 | 514 OAKWOOD AVENUE RALEIGH, NC 27601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.50% |
| JASON DOUGLAS WISE3 | 8257 PRIMANTI BOULEVARD RALEIGH, NC 27612 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $938 | — | $938 | 0.28% |
| KRISTEN BIBLE3 | 5461 TRALEE PLACE RALEIGH, NC 27609 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $756 | $58 | $814 | 0.24% |
| WHICKER PARTNERSHIPS INC3 | 215 ESSEX FARM ROAD ADVANCE, NC 27006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $154 | — | $154 | 0.05% |
| MICHAEL N THORN3 | 3 MAINSAIL COURT GREENSBORO, NC 27455 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $118 | — | $118 | 0.03% |
| KATHRYN D KETTER3 | 118 LEES CUT WRIGHTSVILLE BEACH, NC 28480 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | — | $91 | 0.03% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OHIO LLC | 27064 OAKMEAD DRIVE PERRYSBURG, OH 43551 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | — | $71 | 0.02% |
| SANDRA LOWE LINGLE3 | 3812 CONCORD PLACE #6 ROANOKE, VA 24018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | — | $69 | 0.02% |
| ENROLLEASE3 Filed as: LISA LOWE CLARKE | 4604 KILLIAN CROSSING DRIVE DENVER, NC 28037 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.01% |
| SUSAN FONTENOT3 | 10717 DAPPLE GREY LANE CHARLOTTE, NC 28213 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.01% |
| JEFFREY BRANDON MCREE3 | 17133 DOE VALLEY COURT CORNELIUS, NC 28031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.01% |
| LISA A BALLANCE3 | 8058 CORPORATE CENTER DRIVE CHARLOTTE, NC 28226 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.01% |
| SUSAN FONTANA FLYNN3 | 8814 EAGLE POINT DRIVE KNOXVILLE, TN 37931 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.01% |
| MARK PAGE3 | 311 MARSH OAKS DRIVE WILMINGTON, NC 28411 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.01% |
| CASSANDRA EPSTEIN3 | 13874 CARLOW PARK DRIVE RIVERVIEW, FL 33579 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.01% |
| ELIZABETH LLOYD3 | 27064 OAKMEAD DRIVE PERRYSBURG, OH 43551 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $1 | $18 | 0.01% |
| ERIKA ROBERTS-POE3 | 2146 STONE PILE DRIVE SOUTHWEST CONCORD, NC 28025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.00% |
| TONI E STEED LLC3 | 11218 WARFIELD AVENUE HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.00% |
| BARRETT L PATTERSON3 | 1522 DELLWOOD DRIVE RALEIGH, NC 27607 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.00% |
| Z3 ENTERPRISES INC3 | 1510 HIGH ROCK ROAD GIBSONVILLE, NC 27249 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.00% |
| GLENN ZIMMERMAN INC3 | 1510 HIGH ROCK ROAD GIBSONVILLE, NC 27249 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.00% |
| EMLYN MARSTELLER IV3 | 412 SUGARLAND MEADOW DRIVE HERNDON, VA 20170 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| WENDY O LANGSTON3 | 120 LONGWOOD PASS IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| WENDY SARA ALEXANDER3 | 308 BRADSON ROAD MORRISVILLE, NC 27560 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| GARY LYNN HALLAM3 | PO BOX 291721 COLUMBIA, SC 29229 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $3K | $17K | 8.90% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW ROAD SUITE 1400 CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $5K | 2.38% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW ROAD SUITE 1400 CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $4K | 2.14% |
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 | 1,037 | 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) | 1,037 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 580 | $5.9M |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 870 | $314K |
| Vision | VISION SERVICE PLAN | 568 | $71K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,037 | $191K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,037 | $191K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 580 | $5.9M |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 1,037 | $6.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,037 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.