| 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 | $43K | — | $43K | 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 | $162 | $10K | 9.99% |
| ROANOKE BENEFIT SERVICES INC3 | 505 W BLVD WILLIAMSTON, NC 27892 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $132 | $12K | 12.49% |
| PIERCE GROUP BENEFITS LLC3 | 4928 LINKSLAND DR. HOLLY SPRINGS, NC 27540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $780 | $259 | $1K | 1.05% |
| ROBERT TAYLOR GROUP INC3 | PO BOX 2000 WINTERVILLE, NC 28590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $705 | $218 | $923 | 0.93% |
| BARRETT L PATTERSON3 | PO BOX 10641 RALEIGH, NC 27605 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| ROANOKE BENEFIT SERVICES INC3 | 505 W BLVD WILLIAMSTON, NC 27892 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 10.72% |
| ROANOKE BENEFIT SERVICES INC3 Filed as: ROANOKE BENEFITS SERVICES | 505 W BLVD WILLIAMSTON, NC 27892 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 13.01% |
| 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 | $9 | — | $9 | 0.10% |
| CONSOLIDATED PLANNING HOLDINGS3 | 4201 CONGRESS ST STE 295 CHARLOTTE, NC 28209 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7 | — | $7 | 0.08% |
| ROANOKE BENEFIT SERVICES INC3 | 505 W BLVD WILLIAMSTON, NC 27892 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 21.86% |
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. |
| 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FIRSTCAROLINACARE INSURANCE COMPANY | 233 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 394 | $101K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 89 | $9K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 394 | $111K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 72 | $99K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 394 | $101K |
| Prescription drug | FIRSTCAROLINACARE INSURANCE COMPANY | 233 | $1.1M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 394 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 394 | — |
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.