| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUSAN RUSSELL3 Filed as: SUSAN ELIZABETH RUSSELL | 340 SOMERSET RD PASADENA, MD 21122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $1K | $10K | 10.64% |
| DAVID J MCCLELLAN3 | 118 ROYAL HORSE WAY REINHOLDS, PA 17569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $8K | $9K | 10.36% |
| JENNIFER MCCLELLAN3 | 118 ROYAL HORSE WAY REINHOLDS, PA 17569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $3K | $5K | 5.39% |
| MARLEY RUSSELL3 | 109 W MONTGOMERY ST BALTIMORE, MD 21230 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $171 | $1K | 1.38% |
| PARKS BENEFITS & ENROLLMENT LLC3 | 504 LITCHFIELD LN LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $252 | $139 | $391 | 0.43% |
| BENEFITS COUNT INC3 Filed as: BENEFITS COUNT LI INC | 1401 CHRISTMAS CT RALEIGH, NC 27604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $365 | — | $365 | 0.40% |
| CRISTY PAYNE3 | 14770 MCCANN FARM RD WOODBINE, MD 21797 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $356 | — | $356 | 0.39% |
| ZACHARY EUGENE VICKERS3 | 24 S LOCUST ST MARIETTA, PA 17547 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $269 | — | $269 | 0.30% |
| ARTHUR WAYNE JORDAN JR3 | 514 OAKWOOD AVE RALEIGH, NC 27601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $199 | — | $199 | 0.22% |
| BARRETT L PATTERSON3 | 1522 DELLWOOD DR RALEIGH, NC 27607 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 0.05% |
| JACK ALLEN NORRIS3 | 2439 DUTCH BRANCH RD COLUMBIA, SC 29210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| 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% |
| TUCTO & ASSOCIATES CORP3 | 16 OCEAN PKWY BROOKLYN, NY 11218 | 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% |
| MCCLELLAN, DAVID J3 | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | STARMOUNT LIFE INSURANCE COMPANY | — | $5K | $5K | 5.99% |
| PAYNE, CRISTY L3 | 14770 MCCANN FARM RD WOODBINE, MD 21797 | STARMOUNT LIFE INSURANCE COMPANY | $4K | $33 | $4K | 4.83% |
| RUSSELL, SUSAN3 | 340 SOMERSET DRIVE PASADENA, MD 21122 | STARMOUNT LIFE INSURANCE COMPANY | $4K | — | $4K | 4.79% |
| PAYNE, CRISTY L3 | 14770 MCCANN FARM RD WOODBINE, MD 21797 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $31 | $4K | 5.55% |
| RUSSELL, SUSAN3 | 340 SOMERSET DRIVE PASADENA, MD 21122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.51% |
| PAYNE, CRISTY L3 | 14770 MCCANN FARM RD WOODBINE, MD 21797 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $24 | $7K | 11.94% |
| RUSSELL, SUSAN3 | 340 SOMERSET DRIVE PASADENA, MD 21122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 11.90% |
| PAYNE, CRISTY L3 Filed as: PAYNE,CRISTY L | 14770 MCCANN FARM RD WOODBINE, MD 21797 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $16 | $5K | 11.92% |
| RUSSELL, SUSAN3 | 340 SOMERSET DRIVE PASADENA, MD 21122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 11.89% |
| MCCLELLAN, DAVID J3 | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 5.94% |
| PAYNE, CRISTY L3 | 14770 MCCANN FARM RD WOODBINE, MD 21797 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $15 | $5K | 12.04% |
| RUSSELL, SUSAN3 | 340 SOMERSET DRIVE PASADENA, MD 21122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 12.00% |
| MCCLELLAN, DAVID J3 | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 6.00% |
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 | 306 | 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) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 253 | $87K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 297 | $84K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 306 | $168K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 58 | $63K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 297 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.