| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTHGRAM INC3 | 8731 RED OAK BLVD CHARLOTTE, NC 28217 | HM LIFE INSURANCE COMPANY | $46K | — | $46K | 5.00% |
| APRIL RICH3 | 5180 OLD GREENSBORO ROAD THOMASVILLE, NC 27360 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 7.93% |
| MICHAEL N THORN3 | 8120 JOSEPH WESTON CT GREENSBORO, NC 27455 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $136 | $2K | 2.79% |
| TRIAD BENEFITS GROUP INC3 | 200 DOLLY LANE WINSTON SALEM, NC 27107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $686 | $380 | $1K | 1.53% |
| TONI E STEED LLC3 | 11218 WARFIELD AVE HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $870 | $18 | $888 | 1.28% |
| JOANNE K ROY3 | 5500 TURKEY OAK DRIVE MINT HILL, NC 28227 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $257 | — | $257 | 0.37% |
| ARTHUR WAYNE JORDAN JR3 | 514 OAKWOOD AVENUE RALEIGH, NC 27601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $156 | — | $156 | 0.22% |
| BENEFITS COUNT INC3 Filed as: BENEFITS COUNT II INC | 1401 CHRISTIMAS COURT RALEIGH, NC 27604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | $45 | $141 | 0.20% |
| ELIZABETH KOENIG3 | PO BOX 239 PISGAH FOREST, NC 28768 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $108 | — | $108 | 0.16% |
| DAVID MASON DOKELL3 | 159 BEACON DR UNIT A MOORESVILLE, NC 28117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | $1 | $56 | 0.08% |
| JEAN A MARCHI3 | PO BOX 1677 MOUNT AIRY, NC 27030 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 0.07% |
| ACCRETIVE GLOBAL INSURANCE SERVICES3 | DBA PIERCE GROUP BENEFITS HOLLY SPRINGS, NC 27540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.05% |
| DONNA N DWYER3 | 1003 WALLBURG HIGH POINT RD HIGH POINT, NC 27265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $1 | $12 | 0.02% |
| JASON DOUGLAS WISE3 | 8712 WALKELIN CT RALEIGH, NC 27615 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.02% |
| JOHN R CHRISTIANSEN3 | 4 BRAXTON LN THOMASVILLE, NC 27360 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| JULIAN EMERSON3 | PO BOX 3826 FLORENCE, SC 29502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| JOAN CULVER JOHNSON3 | 3509 NORMANDY RD GREENSBORO, NC 27408 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| JOHN CHRISTOPHER LOWE3 | 6717 CALVERT COMMONS DR. HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MICHAEL N THORN3 | 8120 JOSEPH WESTON CT GREENSBORO, NC 27455 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 7.18% |
| MICHAEL N THORN3 | 8120 JOSEPH WESTON CT GREENSBORO, NC 27455 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 11.14% |
| HEALTHGRAM INC3 | PO BOX 11088 CHARLOTTE, NC 28220 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
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 | 339 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 341 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 505 | $94K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 94 | $86K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 25 | $43K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 280 | $927K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 505 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 505 | — |
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.