| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARLES L GRAEBER3 | 225 NORTH MAIN STREET SALISBURY, NC 28144 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14K | $0 | $14K | 14.52% |
| BENEFITS CONCEPTS INC3 Filed as: BENEFITS CONCEPTS INSURANCE AGENCY | 1401 CHRISTIMAS COURT RALEIGH, NC 27604 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $5K | $14K | 14.50% |
| KATHRYN D KETTER3 | 211 GLEN ABBEY DRIVE CARY, NC 27513 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $124 | $5K | 5.21% |
| ARTHUR WAYNE JORDAN JR3 | 514 OAKWOOD AVENUE RALEIGH, NC 27601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 4.27% |
| KJELL T TERRELL3 | 327 GOLF COURSE DRIVE RALEIGH, NC 27610 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $617 | $3K | 2.79% |
| KRISTEN BIBLE3 | 5461 TRALEE PLACE RALEIGH, NC 27609 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $217 | $2K | 1.98% |
| BARRETT L PATTERSON3 | 1522 DELLWOOD DRIVE RALEIGH, NC 27607 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $722 | $684 | $1K | 1.48% |
| ELAINE M RUIZ3 | 473 OAK GROVE CIRCLE JEFFERSON, NC 28640 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $463 | $17 | $480 | 0.50% |
| MICHAEL N THORN3 | 3 MAINSAIL COURT GREENSBORO, NC 27455 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $268 | $46 | $314 | 0.33% |
| JASON DOUGLAS WISE3 | 8257 PRIMANTI BOULEVARD RALEIGH, NC 27612 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $237 | $0 | $237 | 0.25% |
| TRINA MARIE STARLING3 | 7305 FISHERMAN CREEK DRIVE WILMINGTON, NC 28405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $141 | $0 | $141 | 0.15% |
| LYNN MARIE BARRY3 Filed as: LYNN M MCLEOD | 165 MCDOWELL ROAD MILLS RIVER, NC 28759 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $36 | $3 | $39 | 0.04% |
| TRIAD BENEFITS GROUP INC3 | 200 DOLLY LANE WINSTON SALEM, NC 27101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12 | $11 | $23 | 0.02% |
| ROBERT TAYLOR GROUP INC3 Filed as: THE ROBERT TAYLOR GROUP | P.O. BOX 2018 LELAND, NC 28451 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $1 | $11 | 0.01% |
| JOEY MIGUES3 Filed as: JOEY GRUBBS BENEFITS LLC | 525 TAYLOR ROAD MONTICELLO, FL 32344 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
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 | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 0 | $0 |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 241 | $157K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 241 | $157K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 241 | $157K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 241 | $157K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 241 | $157K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 241 | $252K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.