| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS FLACK3 | 123 E MAIN STREET FOREST CITY, NC 28043 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $25K | $0 | $25K | 1.36% |
| MAIN STREET FINANCIAL GROUP3 Filed as: MAIN STREET FINANCIAL GROUP INC | 22 N TRADE STREET TRYON, NC 28782 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $29K | $10K | $39K | 14.59% |
| UNITED PRODUCERS GROUP LLC3 | 1439 STUART ENGALS BLVD SUITE 300 MOUNT PLEASANT, SC 29464 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 5.00% |
| MAIN STREET FINANCIAL GROUP3 Filed as: MAIN STREET FINANCIAL GROUP INC | 123 E MAIN STREET FOREST CITY, NC 28043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | $0 | $13K | 15.27% |
| TONI E SNEED LLC3 | 11218 WARFIELD AVE HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $62 | $5K | 5.84% |
| ERIKA ROBERTS-POE3 Filed as: ERIKA D DALTON | 2146 STONE PILE DR SW CONCORD, NC 28025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $166 | $4K | 4.74% |
| FRANCES LYNN MCCARTER3 | 10331 LINKSLAND DR HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $484 | $4K | 4.60% |
| JOANNE K ROY3 | 5500 TURKEY OAK DR MINT HILL, NC 28227 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 4.00% |
| DONNA N DWYER3 | 1003 WALLBURG HIGH POINT ROAD HIGH POINT, NC 27265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $359 | $3K | 3.73% |
| JUAN CARLOS SUAREZ3 | 5335 ROBINHOOD VILLAGE DR WINSTON SALEM, NC 27106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $201 | $2K | 2.28% |
| MICHAEL N THORN3 | 8120 JOSEPH WESTON COURT GREENSBORO, NC 27455 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $613 | $158 | $771 | 0.91% |
| FOUNDERS FINANCIAL GROUP LLC3 | 737 PLANTATION ROAD LANCASTER, SC 29720 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $397 | $296 | $693 | 0.81% |
| SWIDPRO LLC3 | 3316 SINGLELEAF LANE RALEIGH, NC 27616 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $259 | $244 | $503 | 0.59% |
| DONNA CURETON-EDWARDS3 | 5912 SIKES MILL ROAD MONROE, NC 28110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $251 | $115 | $366 | 0.43% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DR UNIT 203 DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $132 | $163 | $295 | 0.35% |
| PHILLIP MCHONE3 | 1233 VILLAGE DR YADKINVILLE, NC 27055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $273 | $0 | $273 | 0.32% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: UNHUI KIM BROWN | PO BOX 1722 DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $238 | $0 | $238 | 0.28% |
| BENEFITS COUNT LI INC3 | 1401 CHRISTMAS CT RALEIGH, NC 27604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | $28 | $61 | 0.07% |
| JASON DOUGLAS WISE3 | 8712 WALKELIN CT RALEIGH, NC 27615 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | $0 | $33 | 0.04% |
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 | 178 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 155 | $1.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 178 | $268K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 178 | $268K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 178 | $268K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 178 | $268K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 178 | $268K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 155 | $1.8M |
| Other(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 178 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.