| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | CINGA HEALTH AND LIFE INSURANCE COMPANY | $39K | — | $39K | 3.50% |
| MARSH & MCLENNAN AGENCY LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $8K | $25K | 10.46% |
| ROANOKE BENEFIT SERVICES INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $939 | $1 | $940 | 3.81% |
| HP PLANNING LLC3 Filed as: THE PLANNING GROUP INC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $220 | — | $220 | 0.89% |
| ROBERT P MCFARLAND3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $179 | — | $179 | 0.72% |
| ROBERT TAYLOR GROUP INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | $3 | $56 | 0.23% |
| GLENN ZIMMERMAN INC4 Filed as: GLENN PIERCE | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | — | $53 | 0.21% |
| INSYNC BENEFITS INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.12% |
| GAIL STEWART GOLD3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.08% |
| UN HUI SMITH3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.07% |
| MARSH & MCLENNAN AGENCY LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.06% |
| LEON MARTIN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.04% |
| EPPIC INSURANCE SERVICE LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| ROANOKE BENEFIT SERVICES INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $18 | $2K | 10.15% |
| JULIAN EMERSON3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $171 | $473 | $644 | 2.70% |
| HP PLANNING LLC3 Filed as: THE PLANNING GROUP INC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $178 | — | $178 | 0.75% |
| ROBERT P MCFARLAND3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $141 | — | $141 | 0.59% |
| MARSH & MCLENNAN AGENCY LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | — | $67 | 0.28% |
| ROBERT TAYLOR GROUP INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 0.21% |
| GLENN ZIMMERMAN INC3 Filed as: GLENN PIERCE | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 0.21% |
| INSYNC BENEFITS INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.16% |
| GAIL STEWART GOLD3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.10% |
| UN HUI SMITH3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.04% |
| EPPIC INSURANCE SERVICE LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.03% |
| ROBERT E PAGANI3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| LAUREN ASHLEY PERRI3 Filed as: LAUREN H MILLEN | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $653 | — | $653 | 6.05% |
| RONALD E KIRKLAND3 Filed as: RONALD D BEDDINGFIELD | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $185 | — | $185 | 1.71% |
| JILL R LAMBERT3 Filed as: JILL W DENTON | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $71 | — | $71 | 0.66% |
| LARRY A WESTON JR3 Filed as: LARRY A WESTON, JR. | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $37 | — | $37 | 0.34% |
| MASON C LEE3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.11% |
| TRACI R BATTEN3 Filed as: TRACI R PETERS | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.07% |
| GORDON K VANN3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.07% |
| LAUREN E SKINNER3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.06% |
| SEAN R HILDRETH3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| ROANOKE BENEFIT SERVICES INC3 | 505 W BLVD WILLIAMSTON, NC 27892 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $231 | $3 | $234 | 3.68% |
| GAIL STEWART GOLD3 | 11919 SUNFLOWER LANE RICHMOND, VA 23236 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $138 | — | $138 | 2.17% |
| JULIAN EMERSON3 | PO BOX 598 GEORGETOWN, SC 29442 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $75 | $102 | 1.60% |
| HP PLANNING LLC3 Filed as: THE PLANNING GROUP INC | PO BOX 8334 WILSON, NC 27893 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | — | $84 | 1.32% |
| ROBERT P MCFARLAND3 | 111 NORTH PINE ISLAND DR PLANTATION, FL 33324 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | — | $65 | 1.02% |
| LEON MARTIN3 | 1520 MARTIN STREET WINSTON SALEM, NC 27103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.49% |
| UN HUI SMITH3 | PO BOX 1722 DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.35% |
| INSYNC BENEFITS INC3 | PO BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.28% |
| ROBERT TAYLOR GROUP INC3 | PO BOX 2018 LELAND, NC 28451 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| GLENN ZIMMERMAN INC3 Filed as: GLENN PIERCE | 4928 LINKSLAND DR HOLLY SPRINGS, NC 27540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| ROANOKE BENEFIT SERVICES INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $149 | — | $149 | 3.34% |
| MARSH & MCLENNAN AGENCY LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.90% |
| ROBERT P MCFARLAND3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.20% |
| ROBERT TAYLOR GROUP INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.18% |
| GLENN ZIMMERMAN INC3 Filed as: GLENN PIERCE | 5300 TEN-TEN RD APEX, NC 27539 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.18% |
| INSYNC BENEFITS INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.13% |
| HP PLANNING LLC3 Filed as: THE PLANNING GROUP INC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.11% |
| EPPIC INSURANCE SERVICE LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 | Plan Administrator Service code 14 | PO BOX 182223 CHATTANOOGA, TN 37422 | $0 |
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. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CINGA HEALTH AND LIFE INSURANCE COMPANY | 157 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 159 | $236K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 159 | $236K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 159 | $236K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 159 | $236K |
| Other(6 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 159 | $306K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.