| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDCOST BENEFIT SERVICES3 Filed as: MEDCOST BENEFIT SERVICES, LLC | 165 KIMEL PARK DRIVE WINSTON-SALEM, NC 27103 | HCC LIFE INSURANCE COMPANY | — | $6K | $6K | 1.00% |
| COLTON GROOME BENEFIT ADVISORS, LLC3 | 1127B HENDERSONVILLE ROAD ASHEVILLE, NC 28803 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 7.49% |
| SENN DUNN INSURANCE3 | PO BOX 9375 GREENSBORO, NC 27429 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 3.34% |
| COLTON GROOME BENEFIT ADVISORS, LLC3 Filed as: COLTON GROOME BENEFIT ADVISORS LLC | 1127B HENDERSONVILLE ROAD ASHEVILLE, NC 28803 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.36% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9395 GREENSBORO, NC 27429 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.64% |
| COLTON GROOME BENEFIT ADVISORS, LLC3 Filed as: COLTON GROOME BENEFIT ADVISORS LLC | 1127B HENDERSONVILLE ROAD ASHEVILLE, NC 28803 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9395 GREENSBORO, NC 27429 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.42% |
| INSURANCE SERVICES OF ASHEVILLE3 | PO BOX 530 ASHEVILLE, NC 28802 | COMMUNITY EYE CARE | $1K | — | $1K | 4.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN, A MARCH & MCLENNAN AGENC | PO BOX 9375 GREENSBORO, NC 27455 | COMMUNITY EYE CARE | $1K | — | $1K | 3.39% |
| COLTON GROOM BENEFIT ADVISORS LLC3 Filed as: COLTON GROOME BENEFITS ADVISORS | 1127-B HENDERSONVILLE ROAD ASHEVILLE, NC 28803 | COMMUNITY EYE CARE | $900 | — | $900 | 2.53% |
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 | 486 | 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) | 486 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | COMMUNITY EYE CARE | 583 | $36K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 505 | $121K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 498 | $132K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 498 | $132K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 477 | $610K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 531 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 583 | — |
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."
No prospect flags tripped on this filing.