| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $19K | $19K | 2.71% |
| DIGITAL INSURANCE LLC Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | COLONIAL LIFE INSURANCE ACCIDENT INSURANCE COMPANY | $11K | $782 | $11K | 10.71% |
| JOHN SWIDERSKI | 3316 SINGLELEAF LANE RALEIGH, NC 27616 | COLONIAL LIFE INSURANCE ACCIDENT INSURANCE COMPANY | $6K | $2K | $9K | 7.94% |
| TIMOTHY J SWIDERSKI Filed as: TIMOTHY SWIDERSKI | 3316 SINGLELEAF LANE RALEIGH, NC 27616 | COLONIAL LIFE INSURANCE ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 4.78% |
| JOHN MATTHEW MUMPOWER | 7211 WALKING HORSE COURT WILMINGTON, NC 28411 | COLONIAL LIFE INSURANCE ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.27% |
| WORKSITE BENEFIT SERVICES | 4317 NEW BRIGHTON DRIVE APEX, NC 27539 | COLONIAL LIFE INSURANCE ACCIDENT INSURANCE COMPANY | $838 | — | $838 | 0.78% |
| TODD GECEWICZ | 6110 CREEK GLEN WAY APEX, NC 27502 | COLONIAL LIFE INSURANCE ACCIDENT INSURANCE COMPANY | $100 | — | $100 | 0.09% |
| HARRIS WINTERS | 4004 KNICKERBOCKER PARKWAY RALEIGH, NC 27612 | COLONIAL LIFE INSURANCE ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 0.05% |
| DIGITAL INSURANCE LLC Filed as: DIGITAL INSURANCE INC | 4325 LAKE BOONE SUITE 220 RALEIGH, NC 27607 | USABLE LIFE | $701 | — | $701 | 10.41% |
| MOSAIC GROUP SERVICES Filed as: MOSAIC GROUP | P.O. BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $359 | — | $359 | 5.33% |
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 | 104 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 155 | $712K |
| Vision | COLONIAL LIFE INSURANCE ACCIDENT INSURANCE COMPANY | 93 | $107K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE INSURANCE ACCIDENT INSURANCE COMPANY | 104 | $114K |
| Short-term disability | COLONIAL LIFE INSURANCE ACCIDENT INSURANCE COMPANY | 93 | $107K |
| Stop-loss / reinsurancereinsurance | COLONIAL LIFE INSURANCE ACCIDENT INSURANCE COMPANY | 93 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.