| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE PARKWAY NE, SUITE 700 ATLANTA, GA 30328 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $431K | $0 | $431K | 13.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | UNKNOWN CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | -$61 | $0 | -$61 | -0.00% |
| GADA INSURANCE SERVICES3 Filed as: GADA INSURANCE SERVICES INC. | UNKNOWN ATLANTA, GA 30339 | AMERICAN FIDELITY ASSURANCE COMPANY | $35K | $0 | $35K | 7.87% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $26K | $0 | $26K | 5.86% |
| USI INSURANCE SERVICES LLC3 | 12 GILL STREET, SUITE 5500 WOBURN, MA 01801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $234 | $5K | 9.33% |
| FRANCES LYNN MCCARTER3 | 10331 LINKSLAND DRIVE HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 9.20% |
| TONY E. STEED LLC3 | 11218 WARFIELD AVENUE HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $188 | $4K | 7.43% |
| BURCHFIELD INSURANCE GROUP INC3 Filed as: BURCHFIELD INSURANCE GROUP, INC. | PO BOX 3414 CONCORD, NC 28025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $243 | $2K | 4.68% |
| DONNA N DWYER3 Filed as: DONNA N. DWYER | 1003 WALLBURG HIGH POINT ROAD HIGH POINT, NC 27265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $865 | $2K | 3.72% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: UNHUI KIM BROWN | PO BOX 1722 DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $12 | $1K | 2.19% |
| MJ INSURANCE3 Filed as: WILLIAM T. MILLER & VARIOUS AGENTS | 2908 OTRANTO ROAD, LOT 48 NORTH CHARLESTON, SC 29406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $349 | $0 | $349 | 0.69% |
| FRANCES LYNN MCCARTER3 | 10331 LINKSLAND DRIVE HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $796 | $3K | 5.72% |
| BURCHFIELD INSURANCE GROUP INC3 Filed as: BURCHFIELD INSURANCE GROUP, INC. | PO BOX 3414 CONCORD, NC 28025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $200 | $2K | 5.16% |
| ERIKA ROBERTS-POE3 Filed as: ERIKA D. DALTON | 2146 STONE PILE DRIVE SW CONCORD, NC 28025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $53 | $2K | 4.25% |
| USI INSURANCE SERVICES LLC3 | 12 GILL STREET, SUITE 5500 WOBURN, MA 01801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $82 | $2K | 3.51% |
| DONNA N DWYER3 Filed as: DONNA N. DWYER | 1003 WALLBURG HIGH POINT ROAD HIGH POINT, NC 27265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $660 | $449 | $1K | 2.35% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: UNHUI KIM BROWN | PO BOX 1722 DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $740 | $6 | $746 | 1.58% |
| TONY E. STEED LLC3 Filed as: TONY E. STEED LLC AND OTHER AGENTS | 11218 WARFIELD AVENUE HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $417 | $0 | $417 | 0.88% |
| BURCHFIELD INSURANCE GROUP INC3 Filed as: BURCHFIELD INSURANCE GROUP, INC. | PO BOX 3414 CONCORD, NC 28025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $306 | $3K | 7.78% |
| FRANCES LYNN MCCARTER3 | 10331 LINKSLAND DRIVE HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $778 | $3K | 7.03% |
| TONY E. STEED LLC3 | 11218 WARFIELD AVENUE HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $80 | $2K | 4.63% |
| DONNA N DWYER3 Filed as: DONNA N. DWYER | 1003 WALLBURG HIGH POINT ROAD HIGH POINT, NC 27265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $433 | $290 | $723 | 2.01% |
| USI INSURANCE SERVICES LLC3 | 12 GILL STREET, SUITE 5500 WOBURN, MA 01801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $530 | $28 | $558 | 1.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: UNHUI KIM BROWN | PO BOX 1722 DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $461 | $5 | $466 | 1.30% |
| MJ INSURANCE3 Filed as: DAVID UNDERWOOD AND VARIOUS AGENTS | PO BOX 32694 CHARLOTTE, NC 28232 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $425 | $0 | $425 | 1.18% |
| USI INSURANCE SERVICES LLC3 | 12 GILL STREET, SUITE 5500 WOBURN, MA 01801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $234 | $5K | 14.39% |
| FRANCES LYNN MCCARTER3 | 10331 LINKSLAND DRIVE HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $4K | 11.06% |
| ERIKA ROBERTS-POE3 Filed as: ERIKA D. DALTON | 2146 STONE PILE DRIVE SW CONCORD, NC 28025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $79 | $3K | 8.35% |
| DONNA N DWYER3 Filed as: DONNA N. DWYER | 1003 WALLBURG HIGH POINT ROAD HIGH POINT, NC 27265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $719 | $689 | $1K | 4.32% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: UNHUI KIM BROWN | PO BOX 1722 DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $764 | $9 | $773 | 2.37% |
| WATTS HUCKABEE AND CO3 Filed as: A WATTS HUCKABEE AND COMPANY INC. | 323 OAKLAND AVENUE ROCK HILL, SC 29730 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $265 | $0 | $265 | 0.81% |
| INSYNC BENEFITS INC3 Filed as: INSYNC BENEFITS INC. & OTHER AGENTS | PO BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $199 | $0 | $199 | 0.61% |
| USI INSURANCE SERVICES LLC3 | 12 GILL STREET, SUITE 5500 WOBURN, MA 01801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $400 | $8K | 28.64% |
| FRANCES LYNN MCCARTER3 | 10331 LINKSLAND DRIVE HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 17.46% |
| MICHELLE MUELLER LEA3 Filed as: MICHELLE LEA MUELLER | 6070 BRANDON RUN BRADENTON, FL 34211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $732 | $4K | 12.73% |
| JESSICA P PATRAW3 Filed as: JESSICA P. PATRAW | 5306 MACCAUGHEY DRIVE NORTH PORT, FL 34287 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $338 | $2K | 7.19% |
| DONNA N DWYER3 Filed as: DONNA N. DWYER | 1003 WALLBURG HIGH POINT ROAD HIGH POINT, NC 27265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $841 | $875 | $2K | 6.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: UNHUI KIM BROWN | PO BOX 1722 DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $16 | $1K | 4.30% |
| MJ INSURANCE3 Filed as: COACH CONCEPTS INC & VARIOUS AGENTS | 4750 HURON ROAD ST PETERSBURG, FL 33708 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $263 | $59 | $322 | 1.15% |
| USI INSURANCE SERVICES LLC3 | 12 GILL STREET, SUITE 5500 WOBURN, MA 01801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $186 | $4K | 15.70% |
| FRANCES LYNN MCCARTER3 | 10331 LINKSLAND DRIVE HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $943 | $3K | 10.92% |
| ERIKA ROBERTS-POE3 Filed as: ERIKA D. DALTON | 2146 STONE PILE DRIVE SW CONCORD, NC 28025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $73 | $2K | 10.35% |
| DONNA N DWYER3 Filed as: DONNA N. DWYER | 1003 WALLBURG HIGH POINT ROAD HIGH POINT, NC 27265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $665 | $637 | $1K | 5.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: UNHUI KIM BROWN | PO BOX 1722 DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $661 | $8 | $669 | 2.82% |
| BURCHFIELD INSURANCE GROUP INC3 Filed as: BURCHFIELD INSURANCE GROUP, INC. | PO BOX 3414 CONCORD, NC 28025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $305 | $26 | $331 | 1.40% |
| MJ INSURANCE3 Filed as: PHIL COLEMAN AND VARIOUS AGENTS | 18908 RIVERWIND LANE DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $0 | $58 | 0.24% |
| FRANCES LYNN MCCARTER3 | 10331 LINKSLAND DRIVE HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $820 | $335 | $1K | 6.15% |
| MICHELLE MUELLER LEA3 Filed as: MICHELLE LEA MUELLER | 6070 BRANDON RUN BRADENTON, FL 34211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $824 | $158 | $982 | 5.23% |
| USI INSURANCE SERVICES LLC3 | 12 GILL STREET, SUITE 5500 WOBURN, MA 01801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $815 | $43 | $858 | 4.57% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: UNHUI KIM BROWN | PO BOX 1722 DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $477 | $2 | $479 | 2.55% |
| DONNA N DWYER3 Filed as: DONNA N. DWYER | 1003 WALLBURG HIGH POINT ROAD HIGH POINT, NC 27265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $178 | $107 | $285 | 1.52% |
| CORCORAN & HOYT LLC3 Filed as: CORCORAN AND HOYT LLC & AGENTS | 3905 TAMPA ROAD OLDSMAR, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $135 | $12 | $147 | 0.78% |
| BROWNSTONE WEALTH MGMT GROUP TAMPA3 Filed as: BROWNSTONE WEALTH MANAGEMENT | 3820 GUNN HIGHWAY TAMPA, FL 33618 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | $0 | $48 | 0.26% |
| FRANCES LYNN MCCARTER3 | 10331 LINKSLAND DRIVE HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $743 | $206 | $949 | 5.13% |
| TONY E. STEED LLC3 | 11218 WARFIELD AVENUE HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $471 | $21 | $492 | 2.66% |
| BURCHFIELD INSURANCE GROUP INC3 Filed as: BURCHFIELD INSURANCE GROUP, INC. | PO BOX 3414 CONCORD, NC 28025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $341 | $14 | $355 | 1.92% |
| MJ INSURANCE3 Filed as: DONNA N. DWYER AND VARIOUS AGENTS | 1003 WALLBURG HIGH POINT ROAD HIGH POINT, NC 27265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $261 | $73 | $334 | 1.80% |
| USI INSURANCE SERVICES LLC3 | 12 GILL STREET, SUITE 5500 WOBURN, MA 01801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $315 | $17 | $332 | 1.79% |
| DAVID UNDERWOOD3 | PO BOX 32694 CHARLOTTE, NC 28232 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $163 | $0 | $163 | 0.88% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: UNHUI KIM BROWN | PO BOX 1722 DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $136 | $1 | $137 | 0.74% |
| USI INSURANCE SERVICES LLC3 | 12 GILL STREET, SUITE 5500 WOBURN, MA 01801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $217 | $4K | 29.65% |
| FRANCES LYNN MCCARTER3 | 10331 LINKSLAND DRIVE HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 18.26% |
| JESSICA P PATRAW3 Filed as: JESSICA P. PATRAW | 5306 MACCAUGHEY DRIVE NORTH PORT, FL 34287 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $292 | $2K | 11.84% |
| MICHELLE MUELLER LEA3 Filed as: MICHELLE LEA MUELLER | 6070 BRANDON RUN BRADENTON, FL 34211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $972 | $251 | $1K | 8.32% |
| DONNA N DWYER3 Filed as: DONNA N. DWYER | 1003 WALLBURG HIGH POINT ROAD HIGH POINT, NC 27265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $448 | $466 | $914 | 6.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: UNHUI KIM BROWN | PO BOX 1722 DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $640 | $9 | $649 | 4.41% |
| MJ INSURANCE3 Filed as: COACH CONCEPTS INC & VARIOUS AGENTS | 4750 HURON ROAD ST PETERSBURG, FL 33708 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $163 | $25 | $188 | 1.28% |
| USI INSURANCE SERVICES LLC3 | 12 GILL STREET, SUITE 5500 WOBURN, MA 01801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $99 | $2K | 27.62% |
| MICHELLE MUELLER LEA3 Filed as: MICHELLE LEA MUELLER | 6070 BRANDON RUN BRADENTON, FL 34211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $289 | $1K | 19.56% |
| FRANCES LYNN MCCARTER3 | 10331 LINKSLAND DRIVE HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $707 | $453 | $1K | 16.12% |
| DONNA N DWYER3 Filed as: DONNA N. DWYER | 1003 WALLBURG HIGH POINT ROAD HIGH POINT, NC 27265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $209 | $217 | $426 | 5.92% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: UNHUI KIM BROWN | PO BOX 1722 DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $294 | $4 | $298 | 4.14% |
| CORCORAN & HOYT LLC3 Filed as: CORCORAN AND HOYT LLC | 3905 TAMPA ROAD OLDSMAR, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | $20 | $68 | 0.94% |
| USI INSURANCE SERVICES LLC3 | 12 GILL STREET, SUITE 5500 WOBURN, MA 01801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $57 | $1K | 22.62% |
| FRANCES LYNN MCCARTER3 | 10331 LINKSLAND DRIVE HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $424 | $271 | $695 | 13.76% |
| JESSICA P PATRAW3 Filed as: JESSICA P. PATRAW | 5306 MACCAUGHEY DRIVE NORTH PORT, FL 34287 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $383 | $77 | $460 | 9.11% |
| MICHELLE MUELLER LEA3 Filed as: MICHELLE LEA MUELLER | 6070 BRANDON RUN BRADENTON, FL 34211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $266 | $69 | $335 | 6.63% |
| DONNA N DWYER3 Filed as: DONNA N. DWYER | 1003 WALLBURG HIGH POINT ROAD HIGH POINT, NC 27265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $121 | $126 | $247 | 4.89% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: UNHUI KIM BROWN | PO BOX 1722 DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $171 | $2 | $173 | 3.42% |
| MJ INSURANCE3 Filed as: COACH CONCEPTS INC & VARIOUS AGENTS | 4750 HURON ROAD ST PETERSBURG, FL 33708 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | $7 | $51 | 1.01% |
| USI INSURANCE SERVICES LLC3 | 12 GILL STREET, SUITE 5500 WOBURN, MA 01801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $605 | $32 | $637 | 26.32% |
| TONI E STEED LLC3 Filed as: TONI E. STEED LLC | 11218 WARFIELD AVENUE HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $359 | $20 | $379 | 15.66% |
| FRANCES LYNN MCCARTER3 | 10331 LINKSLAND DRIVE HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $219 | $140 | $359 | 14.83% |
| DONNA N DWYER3 Filed as: DONNA N. DWYER | 1003 WALLBURG HIGH POINT ROAD HIGH POINT, NC 27265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | $101 | $198 | 8.18% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: UNHUI KIM BROWN | PO BOX 1722 DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $95 | $1 | $96 | 3.97% |
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 | 892 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 895 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,255 | $3.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,255 | $3.3M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,255 | $3.3M |
| Life insurance(12 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 43 | $284K |
| Short-term disability(13 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 263 | $727K |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 263 | $443K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,255 | $3.3M |
| Other(13 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 263 | $727K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,255 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.