| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE | 800 MAIN ST DUBUQUE, IA 52001 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | $2K | $20K | 10.56% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE | SERVICES, - KRISTA SIGMAN 800 MAIN ST DUBUQUE, IA 52001 | DELTA DENTAL OF NORTH CAROLINA | $6K | — | $6K | 10.84% |
| JAN STOTESBERRY3 | 505 W BOULEVARD WILLIAMSTON, NC 27892 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 4.64% |
| ADMINUSA INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $297 | — | $297 | 0.69% |
| GRIMES INSURANCE LLC3 | 2728 HUNTINGTON ROAD FAYETTEVILLE, NC 28303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $117 | $158 | $275 | 0.64% |
| ROBERT P MCFARLAND3 | 8627 SUMMERFIELD LN HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $136 | — | $136 | 0.32% |
| MARSH & MCLENNAN AGENCY LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $109 | — | $109 | 0.25% |
| INSYNC BENEFITS INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 0.13% |
| ROBERT TAYLOR GROUP INC3 Filed as: THE ROBERT TAYLOR GROUP | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 0.13% |
| ACCRETIVE GLOBAL INSURANCE SERVICES3 | 5300 TEN-TEN RD APEX, NC 27539 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 0.13% |
| GAIL STEWART GOLD3 | 11919 SUNFLOWER LN NORTH CHESTERFIELD, VA 23236 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 0.10% |
| JULIAN EMERSON3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: UNHUI KIM BROWN | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.07% |
| EPPIC INSURANCE SERVICE LLC3 | 420 BIRCHTREE VALLEY CT FUQUAY VARINA, NC 27526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.03% |
| LEON MARTIN3 | 1520 MARTIN ST STE 105 WINSTON SALEM, NC 27103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| ROBERT E PAGANI3 | 10840 SUNSET HILLS DR NORTH CHESTERFIELD, VA 23236 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| LAURA H MILLEN3 | 7812 ROCK CRESS DR MOSELEY, VA 23120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC | 1031 W 4TH AVENUE STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $112 | — | $112 | 5.82% |
| RONNIE BEDDINGFIELD | 201 COBBLESTONE CT ROCKY MOUNT, NC 27804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | — | $34 | 1.77% |
| JILL R LAMBERT Filed as: JILL W DENTON | 2 GLENMORE DRIVE DURHAM, NC 27707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.78% |
| TRACI R BATTEN | 2198 HAWKCREST DR E ST JOHNS, FL 32259 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.10% |
| MASON C LEE | 377 K STREET 132 N ENGLEWOOD ROCKEY MOUNT, NC 27804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.10% |
| LARRY A WESTON JR Filed as: LARRY A WESTON, JR. | 209 BRISTOL COURT GREENVILLE, NC 27834 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.10% |
| LAUREN E SKINNER | 700 SWAN NECK LN RALEIGH, NC 27615 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.05% |
| GORDON K VANN | 2156 WESLEY LN GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.05% |
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 | 100 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $248K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $193K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $193K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $193K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $193K |
| Other(3 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $238K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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.