| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAYNE, CRISTY L3 | 14770 MCCANN FARM RD WOODBINE, MD 21797 | STARMOUNT LIFE INSURANCE COMPANY | $3K | $844 | $4K | 5.00% |
| MCCLELLAN, DAVID J3 | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | STARMOUNT LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| RUSSEL, SUSAN3 | 340 SOMERSET RD PASADENA, MD 21122 | STARMOUNT LIFE INSURANCE COMPANY | $3K | — | $3K | 4.00% |
| SUSAN RUSSELL3 Filed as: SUSAN ELIZABETH RUSSELL | 340 SOMERSET RD PASADENA, MD 21122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 7.46% |
| DAVID J MCCLELLAN3 | 118 ROYAL HORSE WAY REINHOLDS, PA 17569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $2K | $3K | 3.78% |
| JENNIFER MCCLELLAN3 | 118 ROYAL HORSE WAY REINHOLDS, PA 17569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $680 | $2K | 2.27% |
| CRISTY PAYNE3 | 14770 MCCANN FARM RD WOODBINE, MD 21797 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $509 | — | $509 | 0.62% |
| BENEFITS COUNT INC3 Filed as: BENEFITS COUNT LI INC | 1401 CHRISTMAS COURT RALEIGH, NC 27604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $417 | — | $417 | 0.51% |
| ZACHARY EUGENE VICKERS3 | 24 S LOCUST ST MARIETTA, PA 17547 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $324 | — | $324 | 0.39% |
| PARKS BENEFITS & ENROLLMENT LLC3 | 504 LITCHFIELD LN LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $134 | $97 | $231 | 0.28% |
| ARTHUR WAYNE JORDAN JR3 | 514 OAKWOOD AVENUE RALEIGH, NC 27601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $224 | — | $224 | 0.27% |
| BARRETT L PATTERSON3 | 1522 DELLWOOD DRIVE RALEIGH, NC 27607 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | — | $48 | 0.06% |
| MARLEY RUSSELL3 | 109 W MONTGOMERY ST BALTIMORE, MD 21230 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 0.06% |
| EDUARDO TUCTO3 | 16 OCEAN PKWY BROOKLYN, NY 11218 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $11 | $33 | 0.04% |
| JACK ALLEN NORRIS3 | 2439 DUTCH BRANCH RD COLUMBIA, SC 29210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.02% |
| ERIKA ROBERTS-POE3 Filed as: ERIKA D DALTON | 2146 STONE PILE DR SW CONCORD, NC 28025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| LISA A BALLANCE3 | 8058 CORP CTR DR STE 200 CHARLOTTE, NC 28226 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| PHOENIX CAPTIVE SOLUTIONS LLC3 | 11600 N COMMUNITY HOUSE RD ST CHARLOTTE, NC 28277 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| ROCHELLE DIANE KELLY-PERRY THOMAS3 | 5 NORTH WESLEY COURT HUNTINGTON, NY 11743 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.00% |
| PAYNE, CRISTY L3 | 14770 MCCANN FARM RD WOODBINE, MD 21797 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $136 | $4K | 10.38% |
| RUSSEL, SUSAN3 | 340 SOMERSET DRIVE PASADENA, MD 21122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 10.00% |
| MCCLELLAN, DAVID J3 | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.00% |
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 | 282 | 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) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 210 | $84K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 282 | $36K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 132 | $82K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 282 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 282 | — |
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.