| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTHGRAM INC3 | 8731 RED OAK BLVD CHARLOTTE, NC 28217 | HM LIFE INSURANCE COMPANY | $38K | — | $38K | 5.00% |
| APRIL RICH3 | 5180 OLD GREENSBORO ROAD THOMASVILLE, NC 27360 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | — | $11K | 11.51% |
| MICHAEL N THORN3 | 2708 ALAMANCE CHURCH RD GREENSBORO, NC 27406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $6K | 5.94% |
| TONI E STEED LLC3 | 11218 WARFIELD AVE HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $68 | $2K | 2.43% |
| ARTHUR WAYNE JORDAN JR3 | 514 OAKWOOD AVENUE RALEIGH, NC 27601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $584 | $273 | $857 | 0.92% |
| TRIAD BENEFITS GROUP INC3 | 200 DOLLY LANE WINSTON SALEM, NC 27107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $337 | $266 | $603 | 0.65% |
| BENEFITS COUNT INC3 Filed as: BENEFITS COUNT II INC | 1401 CHRISTIMAS COURT RALEIGH, NC 27604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $220 | $121 | $341 | 0.37% |
| JOANNE K ROY3 | 5500 TURKEY OAK DRIVE MINT HILL, NC 28227 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $329 | — | $329 | 0.35% |
| JOHN R CHRISTIANSEN3 | 4 BRAXTON LN THOMASVILLE, NC 27360 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $269 | — | $269 | 0.29% |
| DAVID MASON DOKELL3 | 159 BEACON DR MOORESVILLE, NC 28117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $192 | $33 | $225 | 0.24% |
| JEAN A MARCHI3 | PO BOX 1677 MOUNT AIRY, NC 27030 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $138 | — | $138 | 0.15% |
| AP GLOBAL INSURANCE SERVICES LLC3 | DBA PIERCE GROUP BENEFITS HOLLY SPRINGS, NC 27540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.04% |
| RICHARD RAMEY3 Filed as: RICHARD THARRINGTON | 1053 BULLARD COURT RALEIGH, NC 27615 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.03% |
| MARSHA RUSSELL3 | 100 HARLEY LANE POOLER, GA 31322 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.02% |
| JULIAN EMERSON3 | PO BOX 598 GEORGETOWN, SC 29442 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| PIERCE GROUP BENEFITS LLC3 | 4928 LINKSLAND DR HOLLY SPRINGS, NC 27540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| 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 | $4K | — | $4K | 6.74% |
| MICHAEL N THORN3 | 8120 JOSEPH WESTON CT GREENSBORO, NC 27455 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 13.11% |
| HEALTHGRAM INC3 | PO BOX 11088 CHARLOTTE, NC 28220 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 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 | 292 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 292 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 453 | $109K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 130 | $85K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 15 | $26K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 292 | $763K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 453 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 453 | — |
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.