| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $6K | $0 | $6K | 15.00% |
| USI INSURANCE SERVICES LLC3 | 470 PARK AVENEU SOUTH, 6TH FLOOR NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | $0 | $229 | $229 | 0.55% |
| USI INSURANCE SERVICES LLC3 | 8049 CORPORATE CENTER DRIVE CHARLOTTE, NC 28226 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $43 | $3K | 9.53% |
| ROBERT WOODFIN3 | 2401 FRASERBURGH DRIVE MATTHEWS, NC 28105 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $531 | $8 | $539 | 2.01% |
| CRYSTAL R GUPTON3 Filed as: CRYSTAL R. GUPTON | 2138 GOODMAN LAKE ROAD MORGANTON, NC 28655 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $110 | $0 | $110 | 0.41% |
| KEITH CONLEY3 | 101 LAUREL HILLS DRIVE MORGANTON, NC 28655 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $85 | $0 | $85 | 0.32% |
| COLLEEN A VOGAN3 Filed as: COLLEEN A. VOGAN AND VARIOUS | 5018 COBBLESTONE COURT ELLICOTT CITY, MD 21043 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $44 | $14 | $58 | 0.22% |
| PIERCE GROUP BENEFITS LLC3 Filed as: PIERCE GROUP BENEFITS | 4928 LINKSLAND DRIVE HOLLY SPRINGS, NC 27540 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $27 | $15 | $42 | 0.16% |
| PAMELA COPLE SMITH3 | 411 HIGHLAND DRIVE SEATTLE, WA 98109 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $33 | $0 | $33 | 0.12% |
| USI INSURANCE SERVICES LLC3 | 8049 CORPORATE CENTER DRIVE CHARLOTTE, NC 28226 | THE PAUL REVERE LIFE INSURANCE COMPANY | $25 | $0 | $25 | 0.87% |
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 | 163 | 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) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 80 | $45K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 38 | $27K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 80 | $42K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 80 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 80 | — |
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.