| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 8049 CORPORATE CENTER DRIVE CHARLOTTE, NC 28226 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 6.62% |
| BENEFIT CONTROLS OF THE MIDLANDS3 Filed as: BENEFIT CONTROLS OF SC, INC. | 109 LAURENS ROAD, BUILDING 3 GREENVILLE, SC 29607 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 1.59% |
| BENEFIT CONTROLS OF THE CAROLINAS3 | 8049 CORPORATE CENTER DRIVE CHARLOTTE, NC 28226 | SUN LIFE ASSURANCE COMPANY OF CANADA | $873 | — | $873 | 0.81% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 8049 CORPRORATE CENTER DRIVE CHARLOTTE, NC 28226 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $503 | $6K | 18.76% |
| ROBERT WOODFIN3 | 2401 FRASERBURGH DRIVE MATTHEWS, NC 28105 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $937 | $17 | $954 | 2.89% |
| CRYSTAL R GUPTON3 Filed as: CRYSTAL R. GUPTON | 2138 GOODMAN LAKE ROAD MORGANTON, NC 28655 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $604 | $28 | $632 | 1.91% |
| MJ INSURANCE3 Filed as: PAMELA C. SMITH AND VARIOUS AGENTS | 411 HIGHLAND DRIVE SEATTLE, WA 98109 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $405 | $93 | $498 | 1.51% |
| KEITH CONLEY3 | 101 LAUREL HILLS DRIVE MORGANTON, NC 28655 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $446 | $5 | $451 | 1.37% |
| PIERCE GROUP BENEFITS LLC3 Filed as: PIERCE GROUP BENEFITS, LLC | 4928 LINKSLAND DRIVE HOLLY SPRINGS, NC 27540 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $98 | $63 | $161 | 0.49% |
| WALTER H MODARELLI3 Filed as: WALTER H. MODARELL | 11502 CARROLLWOOD DRIVE TAMPA, FL 33618 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $116 | — | $116 | 0.35% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 8049 CORPORATE CENTER DRIVE CHARLOTTE, NC 28226 | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | $3K | — | $3K | 15.00% |
| SAMANTHA DUKES3 | 1718 EDWARDS TERRACE UNION, NJ 07083 | THE PAUL REVERE LIFE INSURANCE COMPANY | $175 | — | $175 | 4.05% |
| SHANNON DIARRA SHEPPARD3 | 101 US ROUTE 130 SOUTH GRANT BOULEVARD CINNAMINSON, NJ 08077 | THE PAUL REVERE LIFE INSURANCE COMPANY | $29 | — | $29 | 0.67% |
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 | 89 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 89 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 89 | $108K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 89 | $126K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 89 | $108K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 89 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 89 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.