| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MELISSA SWARD3 | 4461 NE 30TH AVENUE LIGHTHOUSE POINT, FL 33064 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $172 | $3K | 4.42% |
| KRISTIN ELAINE BILLY3 | 18719 BARTLETTE CREEK DRIVE DAVIDSON, NC 28036 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $19 | $2K | 3.24% |
| INSYNC BENEFITS INC3 Filed as: INSYNC BENEFITS, INC. AND AGENTS | PO BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $198 | $2K | 2.69% |
| CAROLINA BENEFITS SOURCE INC3 Filed as: CAROLINA BENEFITS SOURCE, INC. | 4461 NE 30TH AVENUE LIGHTHOUSE POINT, FL 33064 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 2.10% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW ROAD CHARLOTTE, NC 28210 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $938 | $3 | $941 | 1.43% |
| PETER MICHAEL FOLEY JR3 Filed as: PETER MICHAEL FOLEY, JR. | 150 PAMPLICO LANE MOORESVILLE, NC 28117 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $463 | $0 | $463 | 0.71% |
| TUCKER RYAN SWARD3 | 200 WILBY DRIVE CHARLOTTE, NC 28270 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $431 | $11 | $442 | 0.67% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | USABLE LIFE | $10K | $0 | $10K | 17.43% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $6K | $0 | $6K | 9.58% |
| USI INSURANCE SERVICES LLC3 | 400 HIGHWAY 169 SOUTH, 8TH FLOOR SAINT LOUIS PARK, MN 55426 | USABLE LIFE | -$884 | $433 | -$451 | -0.76% |
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 | 97 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | USABLE LIFE | 97 | $59K |
| Short-term disability | USABLE LIFE | 97 | $59K |
| Long-term disability | USABLE LIFE | 97 | $59K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 97 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 97 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.