| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUNLAND FINANCIAL SERVICES LL3 | PO BOX 2669 GREENVILLE, NC 27836 | USABLE LIFE | $9K | — | $9K | 10.00% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $5K | — | $5K | 5.00% |
| SUNLAND FINANCIAL SERVICES LL3 | PO BOX 2669 GREENVILLE, NC 27836 | USABLE LIFE | $13K | — | $13K | 15.00% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $8K | — | $8K | 10.00% |
| SEE ATTACHED3 Filed as: SEE ATTACHED COMMISSION LIST | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21K | $2K | $23K | 33.50% |
| SUNLAND FINANCIAL SERVICES LL3 | PO BOX 2669 GREENVILLE, NC 27836 | USABLE LIFE | $9K | — | $9K | 15.00% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $6K | — | $6K | 10.00% |
| SEE ATTACHED3 Filed as: SEE ATTACHED COMMISSION LIST | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $178 | $3K | 13.61% |
| SEE ATTACHED3 Filed as: SEE ATTACHED COMMISSION LIST | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $577 | $6K | 30.95% |
| SUNLAND FINANCIAL SERVICES LL3 | PO BOX 2669 GREENVILLE, NC 27836 | USABLE LIFE | $2K | — | $2K | 10.00% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $807 | — | $807 | 5.00% |
| SEE ATTACHED3 Filed as: SEE ATTACHED COMMISSION LIST | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $197 | $3K | 18.48% |
| SEE ATTACHED3 Filed as: SEE ATTACHED COMMISSION LIST | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $286 | $3K | 32.93% |
| SEE ATTACHED3 Filed as: SEE ATTACHED COMMISSION LIST | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $713 | $19 | $732 | 8.07% |
| SUNLAND FINANCIAL SERVICES LL3 | PO BOX 2669 GREENVILLE, NC 27836 | USABLE LIFE | $65 | — | $65 | 5.99% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $54 | — | $54 | 4.97% |
| SEE ATTACHED3 Filed as: SEE ATTACHED COMMISSION LIST | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $170 | $19 | $189 | 36.70% |
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 | 301 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 0 | $302K |
| Life insurance | USABLE LIFE | 281 | $16K |
| Long-term disability | USABLE LIFE | 191 | $94K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 0 | $302K |
| Other(11 contracts, 2 carriers) | USABLE LIFE | 281 | $305K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.