| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $46K | $3K | $48K | 14.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $54 | $14K | 10.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1111 SUPERIOR AVE E STE 1601 CLEVELAND, OH 44114 | METROPOLITAN LIFE INSURANCE COMPANY | — | $20 | $20 | 0.02% |
| ROANOKE BENEFIT SERVICES INC3 | 505 W BLVD WILLIAMSTON, NC 27892 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16K | $99 | $16K | 13.14% |
| ROBERT TAYLOR GROUP INC3 | PO BOX 2018 LELAND, NC 28451 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $967 | $182 | $1K | 0.96% |
| GLENN ZIMMERMAN INC3 Filed as: GLENN PIERCE | 4928 LINKSLAND DR. HOLLY SPRINGS, NC 27540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $986 | $28 | $1K | 0.85% |
| JULIAN EMERSON3 | PO BOX 598 GEORGETOWN, SC 29442 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $140 | $163 | 0.14% |
| BARRETT L PATTERSON3 | 1522 DELLWOOD DR RALEIGH, NC 27607 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| ROANOKE BENEFIT SERVICES INC3 Filed as: ROANOKE BENEFITS SERVICES | 505 WEST BLVD WILLIAMSTON, NC 27892 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $996 | — | $996 | 12.99% |
| CP PLANNING GROUP, INC.3 Filed as: CP PLANNING GROUP, INC | 4201 CONGRESS ST. STE 295 CHARLOTTE, NC 28209 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8 | — | $8 | 0.10% |
| CONSOLIDATED PLANNING HOLDINGS3 | 4201 CONGRESS STREET CHARLOTTE, NC 28209 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8 | — | $8 | 0.10% |
| ROANOKE BENEFIT SERVICES INC3 | 505 W BLVD WILLIAMSTON, NC 27892 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 21.84% |
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 | 127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | 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) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 181 | $344K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 421 | $128K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 79 | $11K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 421 | $135K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 82 | $119K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 421 | $128K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 181 | $344K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 421 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 421 | — |
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.