| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HCW EMPLOYEE BENEFIT SERVICES, LLC3 | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | METROPOLITAN LIFE INSURANCE COMPANY | $44K | — | $44K | 4.24% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 0.66% |
| HCW EMPLOYEE BENEFIT SERVICES, LLC3 | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | HYATT LEGAL PLANS, INC. | $2K | — | $2K | 9.30% |
| HCW EMPLOYEE BENEFIT SERVICES, LLC3 | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | HARTFORD LIFE AND ACCIDENT | $263 | $13 | $276 | 15.76% |
| BUCK CONSULTANTS LLC3 | PO BOX 202617 DALLAS, TX 75320 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $263 | — | $263 | — |
| KLD INSURANCE BENEFITS INC3 | 8045 ROYAL SAINT GEORGES LANE DULUTH, GA 30097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $120 | $5 | $125 | — |
| HCW EMPLOYEE BENEFIT SERVICES, LLC3 | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $106 | $2 | $108 | — |
| KLINGBEIL AND ASSOCIATES INC3 | 180 ALLEN ROAD ATLANTA, GA 30328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | $2 | $92 | — |
| PLM SOLUTIONS INC3 | 3244 WINTERBERRY CIR MARIETTA, GA 30062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | — | $88 | — |
| KRISTEN BIBLE3 Filed as: KRISTEN E BIBLE | 4516 LATROBE CT RALEIGH, NC 27604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | — | $68 | — |
| KJELL T TERRELL3 | 327 GOLF COURSE DR RALEIGH, NC 27610 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | — | $61 | — |
| ROBERT W. FOXWORTH INC3 Filed as: ROBERT W FOXWORTH INC | 529 CAYMAN AVENUE HOLLY SPRINGS, NE 27540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $8 | $31 | — |
| LAURIE J BURNS3 | 303 PLYLER RD INDIAN TRAIL, NC 28079 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $4 | $18 | — |
| INSYNC BENEFITS INC3 | PO BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $4 | $14 | — |
| NORMAC SOLUTIONS INC3 | 3730 EVEREST DR MONTGOMERY, AL 36106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $1 | $11 | — |
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 | 1,246 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 26 | $0 |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,300 | $1.0M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,300 | $1.0M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,300 | $1.0M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,300 | $1.0M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,300 | $1.0M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,300 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,300 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.