| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELIZABETH PARROTT3 | PO BOX 845 LEXINGTON, NC 27293 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $85K | $1K | $86K | 2.93% |
| PIEDMONT INSURANCE & BENEFITS INC3 Filed as: PIEDMONT INS. & BENEFITS | PO BOX 845 LEXINGTON, NC 27293 | USABLE LIFE | $30K | $0 | $30K | 11.91% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP | 4605 UNIVERSITY DRIVE DURHAM, NC 27707 | USABLE LIFE | $14K | $0 | $14K | 5.56% |
| PIEDMONT INSURANCE & BENEFITS INC3 Filed as: PIEDMONT INS. & BENEFITS, INC. | P.O. BOX 845 LEXINGTON, NC 27293 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $350 | $0 | $350 | 5.73% |
| LINDA P COLEMAN3 Filed as: LINDA P. COLEMAN | 18908 RIVER WIND LN. DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $269 | $0 | $269 | 4.40% |
| JOHN L MORRIS3 Filed as: JOHN L. MORRIS | 117 ALLISON STREET FORT MILL, SC 29715 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $208 | $8 | $216 | 3.53% |
| FRANCES LYNN MCCARTER3 | 10331 LINKSLAND DRIVE HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $174 | $0 | $174 | 2.85% |
| PHILIP COLEMAN3 | 18908 RIVER WIND LN. DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | $0 | $94 | 1.54% |
| TONI E STEED LLC3 Filed as: TONI E. STEED, LLC | 11218 WARFIELD AVE. HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | $0 | $57 | 0.93% |
| DONNA N DWYER3 Filed as: DONNA N. DWYER | 1540 WESTBROOK PLAZA DR. WINSTON SALEM, NC 27103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $17 | $45 | 0.74% |
| CD FRAZIER ASSOCIATES INC3 Filed as: CD FRAZIER ASSOCIATES, INC. | 8631 STONEFACE ROAD CHARLOTTE, NC 28214 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.23% |
| DAVID D UNDERWOOD3 Filed as: DAVID D. UNDERWOOD | P.O. BOX 32694 CHARLOTTE, NC 28232 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: CHARLES W. MARSH | 722 MANER PLACE CT. WINSTON SALEM, NC 27103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.21% |
| UN HUI SMITH3 | P.O. BOX 1722 DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.10% |
| GROUP SUPPLEMENTAL BENEFITS INC3 Filed as: GROUP SUPPLEMENTAL BENEFITS, INC. | 31805 TEMECULA PARKWAY TEMECULA, CA 92592 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.08% |
| LEON MARTIN3 | 1520 MARTIN STREET WINSTON SALEM, NC 27103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.05% |
| RYAN THURSTON WHITTAKER3 | 33772 BIG SUR STREET DANA POINT, NC 92629 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.03% |
| WHICKER PARTNERSHIPS INC3 Filed as: WHICKER PARTNERSHIPS, INC. | 6775 DORAL DRIVE TOBACCOVILLE, NC 27050 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.02% |
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 | 244 | 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) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 248 | $2.9M |
| Dental | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 248 | $2.9M |
| Life insurance | USABLE LIFE | 244 | $255K |
| Short-term disability | USABLE LIFE | 244 | $255K |
| Long-term disability(2 contracts, 2 carriers) | USABLE LIFE | 244 | $261K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 248 | $2.9M |
| Other | USABLE LIFE | 244 | $255K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.