| 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 | $38K | — | $38K | 3.37% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD STE 600 RALEIGH, NC 27612 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $7K | $23K | 9.94% |
| ROANOKE BENEFIT SERVICES INC3 | 505 W BLVD WILLIAMSTON, NC 27892 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $13 | $2K | 6.42% |
| HP PLANNING LLC3 Filed as: THE PLANNING GROUP INC | PO BOX 8334 RALEIGH, NC 27893 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $414 | — | $414 | 1.20% |
| ROBERT P MCFARLAND3 | 111 NORTH PINE ISLAND DR PLANTATION, FL 33324 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $307 | — | $307 | 0.89% |
| PIERCE GROUP BENEFITS LLC3 | 4928 LINKSLAND DR HOLLY SPRINGS, NC 27540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $115 | $33 | $148 | 0.43% |
| ROBERT TAYLOR GROUP INC3 | PO BOX 2018 LELAND, NC 28451 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $115 | $24 | $139 | 0.40% |
| INSYNC BENEFITS INC3 | PO BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 0.17% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD STE 220 RALEIGH, NC 27612 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.06% |
| UN HUI SMITH3 | PO BOX 1722 DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.06% |
| GAIL STEWART GOLD3 | 11919 SUNFLOWER LANE RICHMOND, VA 23236 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: CHARLES W MARSH | 6155 CHAMBERLAIN PL WINSTON SALEM, NC 27103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| LEON MARTIN3 | 1520 MARTIN STREET WINSTON SALEM, NC 27103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| CURTIS LARSON3 Filed as: CURTIS D EPP | 420 BIRCHTREE VALLEY CT FUQUAY-VARINA, NC 27526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| ROANOKE BENEFIT SERVICES INC3 | 505 W BLVD WILLIAMSTON, NC 27892 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $7 | $1K | 6.81% |
| HP PLANNING LLC3 Filed as: THE PLANNING GROUP INC | PO BOX 8334 WILSON, NC 27893 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $197 | — | $197 | 0.96% |
| ROBERT P MCFARLAND3 | 111 NORTH PINE ISLAND DR PLANTATION, FL 33324 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $141 | — | $141 | 0.69% |
| PIERCE GROUP BENEFITS LLC3 | 4928 LINKSLAND DR HOLLY SPRINGS, NC 27540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $83 | $25 | $108 | 0.53% |
| ROBERT TAYLOR GROUP INC3 | PO BOX 2018 LELAND, NC 28451 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $83 | $18 | $101 | 0.49% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD STE 220 RALEIGH, NC 27612 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | — | $69 | 0.34% |
| INSYNC BENEFITS INC3 | PO BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.18% |
| UN HUI SMITH3 | PO BOX 1722 DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.04% |
| CURTIS LARSON3 Filed as: CURTIS D EPP | 420 BIRCHTREE VALLEY CT FUQUAY-VARINA, NC 27526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD STE 220 RALEIGH, NC 27612 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 8.99% |
| RONALD E KIRKLAND3 Filed as: RONALD D BEDDINGFIELD | 156 ROUNDABOUT CT ROCKY MOUNTAIN, NC 27804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $392 | — | $392 | 2.59% |
| JILL R LAMBERT3 Filed as: JILL W DENTON | 3500 WESTGATE DR #602 DURHAM, NC 27707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $177 | — | $177 | 1.17% |
| LARRY A WESTON JR3 Filed as: LARRY A WESTON, JR. | 209 BRISTOL COURT GREENVILLE, NC 27834 | CONTINENTAL AMERICAN INSURANCE COMPANY | $58 | — | $58 | 0.38% |
| TRACI R BATTEN3 Filed as: TRACI R PETERS | 4110 SOUTHPOINT BLVD STE 210 JACKSONVILLE, FL 32216 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.17% |
| MASON C LEE3 | 377 K STREET 132 N ENGLEWOOD ROCKY MOUNT, NC 27804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.12% |
| GORDON K VANN3 | 2156 WESLEY LANE GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.08% |
| LAUREN E SKINNER3 | 204 E ARLINGON BLVD SUITE C GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.07% |
| SEAN R HILDRETH3 | 434 TUCKER ROAD GRIMESLAND, NC 27837 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| HP PLANNING LLC3 Filed as: THE PLANNING GROUP INC | PO BOX 8334 WILSON, NC 27893 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $206 | — | $206 | 1.85% |
| ROBERT P MCFARLAND3 | 111 NORTH PINE ISLAND DR PLANTATION, FL 33324 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $131 | — | $131 | 1.18% |
| GAIL STEWART GOLD3 | 11919 SUNFLOWER LANE RICHMOND, VA 23236 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $121 | — | $121 | 1.09% |
| LEON MARTIN3 | 1520 MARTIN STREET WINSTON SALEM, NC 27103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | — | $53 | 0.48% |
| ROANOKE BENEFIT SERVICES INC3 | 505 W BLVD WILLIAMSTON, NC 27892 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 0.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: CHARLES W MARSH | 6155 CHAMBERLAIN PL WINSTON SALEM, NC 27103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.37% |
| UN HUI SMITH3 | PO BOX 1722 DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.24% |
| INSYNC BENEFITS INC3 | PO BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.18% |
| ROBERT TAYLOR GROUP INC3 | PO BOX 2018 LELAND, NC 28451 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $1 | $8 | 0.07% |
| PIERCE GROUP BENEFITS LLC3 | 4928 LINKSLAND DRIVE HOLLY SPRINGS, NC 27540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.06% |
| ROBERT E PAGANI3 | 10840 SUNSET HILLS DRIVE RICHMOND, VA 23236 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| LAURA H MILLEN3 | 7812 ROCK CRESS DRIVE MOSELEY, VA 23120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| PHIL COLEMAN3 | 18908 RIVERWIND LANE DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| DONNA N DWYER3 | 1540 WESTBROOK PLAZA DRIVE WINSTON SALEM, NC 27103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| ROANOKE BENEFIT SERVICES INC3 | 505 W BLVD WILLIAMSTON, NC 27892 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $155 | — | $155 | 3.88% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD STE 220 RALEIGH, NC 27612 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.98% |
| ROBERT P MCFARLAND3 | 111 NORTH PINE ISLAND DR PLANTATION, FL 33324 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.25% |
| HP PLANNING LLC3 Filed as: THE PLANNING GROUP INC | PO BOX 8334 WILSON, NC 27893 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.20% |
| ROBERT TAYLOR GROUP INC3 | PO BOX 2018 LELAND, NC 28451 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.20% |
| PIERCE GROUP BENEFITS LLC3 | 4928 LINKSLAND DR HOLLY SPRINGS, NC 27540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.20% |
| INSYNC BENEFITS INC3 | PO BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.15% |
| CURTIS LARSON3 Filed as: CURTIS D EPP | 420 BIRCHTREE VALLEY CT FUQUAY-VARINA, NC 27526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.10% |
| GAIL STEWART GOLD3 | 11919 SUNFLOWER LANE RICHMOND, VA 23236 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.05% |
| UN HUI SMITH3 | PO BOX 1722 DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: CHARLES W MARSH | 6155 CHAMBERLAIN PL WINSTON SALEM, NC 27103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.03% |
| LEON MARTIN3 | 1520 MARTIN STREET WINSTON SALEM, NC 27103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.03% |
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 | 143 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF NC | 172 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 169 | $236K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 169 | $236K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 169 | $236K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 169 | $236K |
| Prescription drug | BLUE CROSS & BLUE SHIELD OF NC | 172 | $1.1M |
| Other(6 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 169 | $321K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.