| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAROLINA BENEFIT SPECIALISTS INC3 | 905 E. ARLINGTON BLVD. STE A GREENVILLE, NC 27858 | FIRSTCAROLINACARE INSURANCE COMPANY | $42K | — | $42K | 4.00% |
| CAROLINA BENEFIT SPECIALISTS INC3 Filed as: CAROLINA BENEFIT SPECIALISTS INC. | 905 E. ARLINGTON BLVD. STE A GREENVILLE, NC 27858 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $3K | $13K | 10.81% |
| ROANOKE BENEFIT SERVICES INC3 | 505 W BLVD WILLIAMSTON, NC 27892 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17K | $182 | $17K | 14.37% |
| PIERCE GROUP BENEFITS LLC3 | 4928 LINKSLAND DR. HOLLY SPRINGS, NC 27540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $430 | $2K | 1.30% |
| ROBERT TAYLOR GROUP INC3 | PO BOX 2000 WINTERVILLE, NC 28590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $264 | $1K | 1.13% |
| BARRETT L PATTERSON3 | PO BOX 10641 RALEIGH, NC 27605 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| ROANOKE BENEFIT SERVICES INC3 Filed as: ROANOKE BENEFITS SERVICES | 505 W BLVD WILLIAMSTON, NC 27892 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 12.99% |
| CP PLANNING GROUP, INC.3 Filed as: CP PLANNING GROUP, INC | 4201 CONGRESS ST. STE 350 CHARLOTTE, NC 28209 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11 | — | $11 | 0.10% |
| CONSOLIDATED PLANNING HOLDINGS3 | 4201 CONGRESS ST STE 295 CHARLOTTE, NC 28209 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9 | — | $9 | 0.08% |
| ROANOKE BENEFIT SERVICES INC3 | 505 W BLVD WILLIAMSTON, NC 27892 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $933 | — | $933 | 9.21% |
| ROANOKE BENEFIT SERVICES INC3 | 505 W BLVD WILLIAMSTON, NC 27892 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 18.48% |
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 | 113 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FIRSTCAROLINACARE INSURANCE COMPANY | 230 | $1.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 241 | $118K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 81 | $10K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 241 | $129K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 78 | $118K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 241 | $118K |
| Prescription drug | FIRSTCAROLINACARE INSURANCE COMPANY | 230 | $1.0M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 241 | $138K |
| 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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.