| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REID GARDNER AGENCY, INC | 4046 GOLF DRIVE CONOVER, NC 28613 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 16.34% |
| REID GARDNER AGENCY, INC | 4046 GOLF DRIVE CONOVER, NC 28613 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.48% |
| HEALTHGRAM INC3 | PO BOX 11088 CHARLOTTE, NC 28220 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| REID GARDNER AGENCY, INC | 4046 GOLF DRIVE CONOVER, NC 28613 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 13.94% |
| JOHN R CHRISTIANSEN3 | 4 BRAXTON LANE THOMASVILLE, NC 27360 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $314 | — | $314 | 7.03% |
| RICHARD RAMEY3 Filed as: RICHARD THARRINGTON | 1053 BULLARD COURT RALEIGH, NC 27615 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.67% |
| MARSHA RUSSELL3 | 3182 CONSERVANCY LANE CHARLESTON, SC 29414 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.36% |
| PIERCE GROUP BENEFITS LLC3 | 4928 LINKSLAND DR HOLLY SPRINGS, NC 27540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.11% |
| BILL DUNCAN3 Filed as: BILL DUNCON | 1321 CHURCHILL DOWNS DR WAXHAW, NC 28173 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.07% |
| BARRETT L PATTERSON3 | PO BOX 10641 RALEIGH, NC 27605 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.04% |
| KIMBERLY C HEDRICK3 | 1636 BASS LAKE ROAD ROSEBORO, NC 28382 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.02% |
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 | 349 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 349 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 349 | $38K |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 349 | $42K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 15 | $11K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 5 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 349 | — |
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.