| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $23K | $37K | 13.15% |
| NC HEALTHCARE ENTERPRISES3 | 2400 WESTON PARKWAY CARY, NC 27513 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $11K | $11K | 3.70% |
| BARRETT L PATTERSON3 Filed as: BARRETT L. PATTERSON | PO BOX 10641 RALEIGH, NC 27605 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $1K | $15K | 9.59% |
| PIERCE GROUP BENEFITS LLC3 Filed as: PIERCE GROUP BEN. AND OTHER AGENTS | 4928 LINKSLAND DRIVE HOLLY SPRINGS, NC 27540 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $869 | $44 | $913 | 0.60% |
| HUGH S JONES3 Filed as: HUGH S. JONES | 4116 STARBOARD COURT RALEIGH, NC 27613 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $786 | $0 | $786 | 0.51% |
| BENEFITS COUNT INC3 Filed as: BENEFITS COUNT II INC. | 1401 CHRISTMAS COURT RALEIGH, NC 27604 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $321 | $144 | $465 | 0.30% |
| ARTHUR WAYNE JORDAN JR3 Filed as: ARTHUR WAYNE JORDAN JR. | 514 OAKWOOD AVENUE RALEIGH, NC 27601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $286 | $118 | $404 | 0.26% |
| G C WILSON & COMPANY3 Filed as: G.C. WILSON AND COMPANY INC. | 2300 TYSON STREET RALEIGH, NC 27612 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $297 | $0 | $297 | 0.19% |
| FRED RAAB3 | 1001 RIVERMEAD LANE WAKE FOREST, NC 27587 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $287 | $0 | $287 | 0.19% |
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 | 743 | 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) | 743 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 743 | $284K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 743 | $284K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 743 | $437K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 743 | — |
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.
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.