| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | CINGA HEALTH AND LIFE INSURANCE COMPANY | — | $36K | $36K | 3.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD STE 600 RALEIGH, NC 27612 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $9K | $25K | 12.08% |
| ROANOKE BENEFIT SERVICES INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 8.37% |
| JULIAN EMERSON3 | PO BOX 598 GEORGETOWN, SC 29442 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $248 | $280 | $528 | 1.98% |
| ROBERT P MCFARLAND3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $131 | — | $131 | 0.49% |
| HP PLANNING LLC3 Filed as: THE PLANNING GROUP INC | PO BOX 8334 WILSON, NC 27893 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | — | $94 | 0.35% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD STE 220 RALEIGH, NC 27612 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | — | $84 | 0.31% |
| ADMINUSA INC3 | PO BOX 8334 WILSON, NC 27893 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | — | $70 | 0.26% |
| ROBERT TAYLOR GROUP INC3 | PO BOX 2018 LELAND, NC 27893 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.15% |
| INSYNC BENEFITS INC3 | PO BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.13% |
| GAIL STEWART GOLD3 | 11919 SUNFLOWER LANE RICHMOND, VA 23236 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.09% |
| AP GLOBAL INSURANCE SERVICES LLC3 Filed as: AP GLOBAL INSURANCE SERVICES | 5300 TEN-TEN RD APEX, NC 27539 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.07% |
| GLENN ZIMMERMAN INC3 Filed as: GLENN PIERCE | 5300 TEN-TEN RD APEX, NC 27539 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: UNHUI KIM BROWN | PO BOX 1722 DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.04% |
| EPPIC INSURANCE SERVICE LLC3 | 420 BIRCHTREE VALLEY CT FUQUAY-VARINA, NC 27526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.04% |
| PIERCE GROUP BENEFITS LLC3 Filed as: PIERCE GROUP | 5300 TEN-TEN RD APEX, NC 27539 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.03% |
| ROBERT E PAGANI3 | 10840 SUNSET HILLS DRIVE RICHMOND, VA 23236 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| LAURA H MILLEN3 | 7812 ROCK CRESS DRIVE MOSELEY, VA 23120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| ROANOKE BENEFIT SERVICES INC3 | 505 W BLVD WILLIAMSTON, NC 27892 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 10.68% |
| JULIAN EMERSON3 | PO BOX 598 GEORGETOWN, SC 29442 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | $113 | $207 | 1.87% |
| ADMINUSA INC3 | PO BOX 8334 WILSON, NC 27893 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 0.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD STE 220 RALEIGH, NC 27612 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.23% |
| ROBERT TAYLOR GROUP INC3 | PO BOX 2018 LELAND, NC 28451 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.16% |
| AP GLOBAL INSURANCE SERVICES LLC3 Filed as: AP GLOBAL INSURANCE SERVICES | 5300 TEN-TEN RD APEX, NC 27539 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.13% |
| INSYNC BENEFITS INC3 | PO BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.10% |
| GAIL STEWART GOLD3 | 11919 SUNFLOWER LANE RICHMOND, VA 23236 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: UNHUI KIM BROWN | PO BOX 1722 DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.05% |
| ROBERT P MCFARLAND3 | 8627 SUMMERFIELD LN HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.03% |
| GLENN ZIMMERMAN INC3 Filed as: GLENN PIERCE | 5300 TEN-TEN RD APEX, NC 27539 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.03% |
| EPPIC INSURANCE SERVICE LLC | 420 BIRCHTREE VALLEY CT FUQUAY-VARINA, NC 27526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.03% |
| HP PLANNING LLC3 Filed as: THE PLANNING GROUP INC | PO BOX 8334 WILSON, NC 27893 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| PIERCE GROUP BENEFITS LLC Filed as: PIERCE GROUP | 5300 TEN-TEN RD APEX, NC 27539 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| ROBERT P MCFARLAND3 | 8627 SUMMERFIELD LN HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 0.99% |
| HP PLANNING LLC3 Filed as: THE PLANNING GROUP INC | PO BOX 8334 WILSON, NC 27893 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.62% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: UNHUI KIM BROWN | PO BOX 1722 DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.45% |
| INSYNC BENEFITS INC3 | PO BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.41% |
| ADMINUSA INC3 | PO BOX 8334 WILSON, NC 27893 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.39% |
| ROANOKE BENEFIT SERVICES INC3 | 505 W BLVD WILLIAMSTON, NC 27892 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.14% |
| 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 | 5300 TEN-TEN RD APEX, NC 27539 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| AP GLOBAL INSURANCE SERVICES LLC3 Filed as: AP GLOBAL INSURANCE SERVICES | 5300 TEN-TEN RD APEX, NC 27539 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| PIERCE GROUP BENEFITS LLC3 Filed as: PIERCE GROUP BENEFITS | 5300 TEN-TEN RD APEX, NC 27539 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| PATRICIA G EMMART Filed as: PATRICIA EMMART | 99 AQUA VISTA DR WILMINGTON, NC 28409 | AFLAC | $131 | — | $131 | 4.29% |
| RONALD E KIRKLAND Filed as: RONALD D BEDDINGFIELD | 132 N ENGLEWOOD DR ROCKY MOUNTAIN, NC 27804 | AFLAC | $126 | — | $126 | 4.12% |
| JAN WERNER | 104 ISLAND CT ROCKY MOUNTAIN, NC 27804 | AFLAC | $15 | — | $15 | 0.49% |
| JEFFREY L GODWIN Filed as: JEFFREY GODWIN | 132 N ENGLEWOOD DR ROCKY MOUNTAIN, NC 27804 | AFLAC | $15 | — | $15 | 0.49% |
| MASON C LEE | 2507 NASH ST NW WILSON, NC 27896 | AFLAC | $12 | — | $12 | 0.39% |
| STEPHEN STOX | 702 CROMWELL DR STE F GREENVILLE, NC 27858 | AFLAC | $10 | — | $10 | 0.33% |
| TRACI R BATTEN | 375 HARBOR COVE DR #323 SPARKS, NV 89434 | AFLAC | $7 | — | $7 | 0.23% |
| LARRY A WESTON JR Filed as: LARRY A WESTON, JR. | 321 WINDSOR RD GREENVILLE, NC 27858 | AFLAC | $6 | — | $6 | 0.20% |
| DAVID N MORGAN | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $4 | — | $4 | 0.13% |
| JAMES A LAWRENCE | 8831 CYPRESS LAKES DR UNIT E309 RALEIGH, NC 27615 | AFLAC | $4 | — | $4 | 0.13% |
| MARY S HARRIS | 283 LOCHRRIDGE DR ROXBORO, NC 27573 | AFLAC | $2 | — | $2 | 0.07% |
| JAMES POND Filed as: JAMES I POND | 1700 ROBBINS RD LOT 170 GRAND HAVEN, MI 49417 | AFLAC | $1 | — | $1 | 0.03% |
| JILL R LAMBERT Filed as: JILL W DENTON | 3500 WESTGATE DR #602 DURHAM, NC 27707 | AFLAC | $1 | — | $1 | 0.03% |
| K EARLE ABERNETHY | 2902 SHERYL DR KINSTON, NC 28504 | AFLAC | $1 | — | $1 | 0.03% |
| STEPHEN STRICKLAND | 147 WARREN DR ROANOKE RAPIDS, NC 27870 | AFLAC | $1 | — | $1 | 0.03% |
| DUANE A ADAMS | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $1 | — | $1 | 0.03% |
| GORDON K VANN | 2156 WESLEY LANE GREENVILLE, NC 27858 | AFLAC | $0 | — | $0 | 0.00% |
| LAUREN E SKINNER | 1225 NORRIS ST RALEIGH, NC 27604 | AFLAC | $0 | — | $0 | 0.00% |
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 | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CINGA HEALTH AND LIFE INSURANCE COMPANY | 130 | $1.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 140 | $205K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 140 | $205K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 140 | $205K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 140 | $205K |
| Other(5 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 140 | $251K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.