| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN MCDONNELL3 | 2443 LYNN ROAD, SUITE 208 RALEIGH, NC 27612 | BLUE CROSS & BLUE SHIELD OF NC | $47K | $1K | $48K | 4.42% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD STE 220 RALEIGH, NC 27612 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $9K | $23K | 10.78% |
| ROANOKE BENEFIT SERVICES INC3 | 505 W BLVD WILLIAMSTON, NC 27892 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $52 | $5K | 11.84% |
| HP PLANNING LLC3 Filed as: THE PLANNING GROUP INC | PO BOX 8334 RALEIGH, NC 27893 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $534 | — | $534 | 1.35% |
| PIERCE GROUP BENEFITS LLC3 | 4928 LINKSLAND DR HOLLY SPRINGS, NC 27540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $258 | $162 | $420 | 1.06% |
| ROBERT P MCFARLAND3 | 6739 MOUNTAIN MAJESTY WAY HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $393 | — | $393 | 0.99% |
| ROBERT TAYLOR GROUP INC3 | PO BOX 2000 WINTERVILLE, NC 28590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $257 | $105 | $362 | 0.91% |
| INSYNC BENEFITS INC3 | PO BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | — | $78 | 0.20% |
| MARSH & MCLENNAN AGENCY LLC3 | 2443 LYNN ROAD, SUITE 208 RALEIGH, NC 27612 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.09% |
| UN HUI SMITH3 | PO BOX 1722 DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.05% |
| CURTIS LARSON3 Filed as: CURTIS D EPP | 420 BIRCHTREE VALLEY CT FUQUAY-VARINA, NC 27526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| GAIL STEWART GOLD3 | 11919 SUNFLOWER LANE RICHMOND, VA 23236 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $931 | $42 | $973 | 3.34% |
| ROANOKE BENEFIT SERVICES INC3 | 505 W BLVD WILLIAMSTON, NC 27892 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $681 | $9 | $690 | 2.37% |
| HP PLANNING LLC3 Filed as: THE PLANNING GROUP INC | PO BOX 8334 WILSON, NC 27893 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $431 | — | $431 | 1.48% |
| ROBERT P MCFARLAND3 | 6739 MOUNTAIN MAJESTY WAY HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $295 | — | $295 | 1.01% |
| LEON MARTIN3 | 1520 MARTIN STREET WINSTON SALEM, NC 27103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $139 | — | $139 | 0.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: CHARLES W MARSH | 6155 CHAMBERLAIN PL WINSTON SALEM, NC 27103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $115 | — | $115 | 0.40% |
| PIERCE GROUP BENEFITS LLC3 | 4928 LINKSLAND DRIVE HOLLY SPRINGS, NC 27540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | $31 | $88 | 0.30% |
| ROBERT TAYLOR GROUP INC3 | PO BOX 2000 WINTERVILLE, NC 28590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | $20 | $77 | 0.26% |
| UN HUI SMITH3 | PO BOX 1722 DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | — | $69 | 0.24% |
| INSYNC BENEFITS INC3 | PO BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.16% |
| WILLIAM ROBERT PUGH IV3 | 1884 HOPE MEADOW WAY POWHATAN, VA 23139 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.10% |
| PHIL COLEMAN3 | 18908 RIVERWIND LANE DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| DONNA N DWYER3 | 1540 WESTBROOK PLAZA DRIVE WINSTON SALEM, NC 27103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| ROBERT E PAGANI3 | 10840 SUNSET HILLS DRIVE RICHMOND, VA 23236 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| LAURA H MILLEN3 | 7501 BOULDER VIEW DR RICHMOND, VA 23225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 2443 LYNN ROAD, SUITE 208 RALEIGH, NC 27612 | USABLE LIFE | $3K | — | $3K | 9.72% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP | PO BOX 2291 DURHAM, NC 27707 | USABLE LIFE | $2K | — | $2K | 6.60% |
| ROANOKE BENEFIT SERVICES INC3 | 505 W BLVD WILLIAMSTON, NC 27892 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $28 | $3K | 10.70% |
| PIERCE GROUP BENEFITS LLC3 | 4928 LINKSLAND DR HOLLY SPRINGS, NC 27540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $182 | $108 | $290 | 1.14% |
| HP PLANNING LLC3 Filed as: THE PLANNING GROUP INC | PO BOX 8334 WILSON, NC 27893 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $275 | — | $275 | 1.08% |
| ROBERT TAYLOR GROUP INC3 | PO BOX 2000 WINTERVILLE, NC 28590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $182 | $71 | $253 | 0.99% |
| ROBERT P MCFARLAND3 | 6739 MOUNTAIN MAJESTY WAY HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $186 | — | $186 | 0.73% |
| MARSH & MCLENNAN AGENCY LLC3 | 2443 LYNN ROAD, SUITE 208 RALEIGH, NC 27612 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | — | $75 | 0.29% |
| INSYNC BENEFITS INC3 | PO BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.16% |
| UN HUI SMITH3 | PO BOX 1722 DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.07% |
| CURTIS LARSON3 Filed as: CURTIS D EPP | 420 BIRCHTREE VALLEY CT FUQUAY-VARINA, NC 27526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.04% |
| ROANOKE BENEFIT SERVICES INC3 | 505 W BLVD WILLIAMSTON, NC 27892 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $416 | $3 | $419 | 6.41% |
| MARSH & MCLENNAN AGENCY LLC3 | 2443 LYNN ROAD, SUITE 208 RALEIGH, NC 27612 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 0.70% |
| ROBERT P MCFARLAND3 | 6739 MOUNTAIN MAJESTY WAY HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.63% |
| HP PLANNING LLC3 Filed as: THE PLANNING GROUP INC | PO BOX 8334 WILSON, NC 27893 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.61% |
| PIERCE GROUP BENEFITS LLC3 | 4928 LINKSLAND DR HOLLY SPRINGS, NC 27540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $12 | $37 | 0.57% |
| ROBERT TAYLOR GROUP INC3 | PO BOX 2000 WINTERVILLE, NC 28590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $8 | $33 | 0.51% |
| INSYNC BENEFITS INC3 | PO BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.23% |
| UN HUI SMITH3 | PO BOX 1722 DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.09% |
| CURTIS LARSON3 Filed as: CURTIS D EPP | 420 BIRCHTREE VALLEY CT FUQUAY-VARINA, NC 27526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.08% |
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 | 182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF NC | 184 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 185 | $214K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 185 | $241K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 185 | $214K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 185 | $214K |
| Prescription drug | BLUE CROSS & BLUE SHIELD OF NC | 184 | $1.1M |
| Other(6 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 185 | $342K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.