| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES CORPORATION | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $59K | $59K | 19.82% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $24K | — | $24K | 7.97% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 0.63% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62189 VIRGINIA BEACH, VA 234662189 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | — | $20K | 13.42% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62189 VIRGINIA BEACH, VA 234662189 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.09% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62819 VIRGINIA BEACH, VA 234662819 | METROPOLITAN LIFE INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| LYNN GARRETT3 | 900 CAROLINA AVE DURHAM, NC 27705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 8.63% |
| INSYNC BENEFITS INC3 | PO BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $251 | — | $251 | 0.43% |
| CASIE PELUCIO | 191 BRIDGEPORT DR MOORESVILLE, NC 28117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $219 | — | $219 | 0.37% |
| EPPIC INSURANCE SERVICE LLC3 | 420 BIRCHTREE VALLEY CT FUQUAY VARINA, NC 27526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $209 | — | $209 | 0.35% |
| BARRETT L PATTERSON3 Filed as: BARRETT PATTERSON | P.O. BOX 10641 RALEIGH, NC 27605 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $128 | — | $128 | 0.22% |
| MAY WAY OF WAKE COUNTY INC3 | 124 CHATTERSON DRIVE RALEIGH, NC 27615 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | — | $57 | 0.10% |
| ARTHUR WAYNE JORDAN JR3 Filed as: ARTHUR WAYNE JORDAN, JR. | 514 OAKWOOD AVE RALEIGH, NC 27601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.04% |
| BENEFITS COUNT INC3 Filed as: BENEFITS COUNT LI INC | 1401 CHRISTIMAS COURT RALEIGH, NC 27604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.03% |
| TODD GERALD GECEWICZ3 | 1214 WHITMAN DR CREEDMOOR, NC 27522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.03% |
| SWIDPRO LLC3 | 3316 SINGLELEAF LANE RALEIGH, NC 27616 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| LYNN GARRETT3 | 900 CAROLINA AVE DURHAM, NC 27705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 6.20% |
| BARRETT L PATTERSON Filed as: BARRETT PATTERSON | PO BOX 10641 RALEIGH, NC 27605 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $119 | — | $119 | 0.37% |
| TODD GERALD GECEWICZ | 1214 WHITMAN DR CREEDMOOR, NC 27522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.12% |
| INSYNC BENEFITS INC3 | PO BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.10% |
| EPPIC INSURANCE SERVICE LLC3 | 420 BIRCHTREE VALLEY CT FUQUAY VARINA, NC 27526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.10% |
| ARTHUR WAYNE JORDAN JR Filed as: ARTHUR WAYNE JORDAN, JR. | 514 OAKWOOD AVE RALEIGH, NC 27601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.08% |
| BENEFITS COUNT INC Filed as: BENEFITS COUNT LI INC | 1401 CHRISTIMAS COURT RALEIGH, NC 27604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.07% |
| MAY WAY OF WAKE COUNTY INC3 | 124 CHATTERSON DRIVE RALEIGH, NC 27615 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Claims processing; Contract Administrator; Direct payment from the plan; Non-monetary compensation; Named fiduciary; Float revenue; Participant communication; Other services Service code 12 | — | $15K |
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 | 131 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 98 | $299K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 220 | $146K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 220 | $146K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 220 | $237K |
| Short-term disability(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 55 | $91K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 220 | $146K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 220 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.