| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FLOYD, HARRY W | 7401 CARMEL EXECUTIVE PARK DR STE 320 CHARLOTTE, NC 28226 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $36K | $0 | $36K | 3.85% |
| NFP INSURANCE SERVICES INC Filed as: NFP CORPORATE SERVICES INC | 80 INTERNATIONAL DR STE 425 GREENVILLE, SC 29615 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 6.30% |
| CONTEMPORARTY BENEFITS DESIGN INC | 1956 WELLNESS BLVD MONROE, NC 28110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 3.86% |
| NFP INSURANCE SERVICES INC Filed as: NFP CORPORATE SERVICES INC | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $833 | $7K | 17.72% |
| RAMEY FESPERMAN | 7319 MATTHEWS MINT HILL RD MINT HILL, NC 28227 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $99 | $69 | $168 | 4.86% |
| FOUNDERS FINANCIAL GROUP LLC | 737 PLANTATION RD LANCASTER, SC 29720 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $79 | $45 | $124 | 3.59% |
| SHAWNEENA MERCADO OVERLY | 3958 PARKERS FRY FORT MILL, SC 29715 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $92 | $3 | $95 | 2.75% |
| 3C HOLDINGS INC Filed as: 3C HOLDINGS | 908 SYDNEY DRIVE CHARLOTTE, NC 28270 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | $34 | $78 | 2.26% |
| JOANNE K ROY | 5500 TURKEY OAK DRIVE MINT HILL, NC 28227 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | $3 | $41 | 1.19% |
| CAROLINA BENEFITS SOURCE INC Filed as: CAROLINA BENEFIT SOURCE INC | 4461 NE 30TH AVE LIGHTHOUR PT, FL 33064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $0 | $24 | 0.69% |
| CONTEMPORARY BENEFITS ADVISORS LLC Filed as: CONTEMPORARY BENEFITS DESIGN INC | 1956 WELLNESS BLVD MONROE, NC 28110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.52% |
| EMMA ANN DEAN | 350 SOUTH BELVEDERE DRIVE HAMPSTEAD, NC 28443 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $1 | $9 | 0.26% |
| JERRY DUNCAN Filed as: JERRY FORBIS JR | PO BOX 1025 PIKEVILLE, NC 27863 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | $1 | $1 | 0.03% |
| MORRIS POWELL | 5002 BLUE GRASS CT WILMINGTON, NC 48409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| FOUNDERS FINANCIAL GROUP LLC | 737 PLANTATION RD LANCASTER, SC 29720 | COLONIAL LIFE & ACCIDENT COMPANY | $49 | $63 | $112 | 8.18% |
| RAMEY FESPERMAN | 7319 MATTHEWS MINT HILL RD MINT HILL, NC 28227 | COLONIAL LIFE & ACCIDENT COMPANY | $53 | $50 | $103 | 7.52% |
| SHAWNEENA MERCADO OVERLY | 3958 PARKERS FRY FORT MILL, SC 29715 | COLONIAL LIFE & ACCIDENT COMPANY | $75 | $3 | $78 | 5.70% |
| 3C HOLDINGS INC Filed as: 3C HOLDINGS | 908 SYDNEY DRIVE CHARLOTTE, NC 28270 | COLONIAL LIFE & ACCIDENT COMPANY | $32 | $38 | $70 | 5.11% |
| JOANNE K ROY | 5500 TURKEY OAK DR MINT HILL, NC 28227 | COLONIAL LIFE & ACCIDENT COMPANY | $23 | $3 | $26 | 1.90% |
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 | 224 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 224 | $1.0M |
| Dental | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 224 | $938K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 7 | $5K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 242 | $58K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 129 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.