| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RYAN L. WILCOX3 Filed as: RYAN L WILCOX | PO BOX 5969 HIGH POINT, NC 27262 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $4K | $1K | $5K | 0.53% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9395 GREENSBORO, NC 27429 | PRINCIPAL LIFE INSURANCE COMPANY | — | $282 | $282 | 0.31% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $3K | — | $3K | 8.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN MARSH & MCLENNAN AGCY | PO BOX 5969 HIGH POINT, NC 27262 | USABLE LIFE | $2K | — | $2K | 5.47% |
| INSURANCE SERVICE OF ASHEVILLE3 | PO BOX 530 ASHEVILLE, NC 28802 | USABLE LIFE | $2K | — | $2K | 4.43% |
| LYNN MARIE BARRY3 Filed as: LYNN M MCLEOD | 93 SCHOOL HOUSE ROAD MILLS RIVER, NC 28759 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 12.64% |
| INSURANCE SERVICE OF ASHEVILLE3 Filed as: INSURANCE SERVICE OF ASHEVILLE INC | PO BOX 530 ASHEVILLE, NC 28802 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 6.09% |
| SCOTT MATTHEW BOWLING3 | 1109 LUGANO DRIVE HENDERSONVILLE, NC 28791 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $88 | $1K | 4.47% |
| ELIZABETH KOENIG3 | PO BOX 1177 ENKA, NC 28728 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $931 | $209 | $1K | 3.42% |
| MELODIE M MCDANIEL3 | 288 BACKWOODS TRAIL CANTON, NC 28716 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $434 | $51 | $485 | 1.46% |
| WILLARD STOCKTON HILL3 | 132 EXETER COURT HENDERSONVILLE, NC 28791 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $216 | — | $216 | 0.65% |
| TERESSA DIANN GAMBLE3 | 4190 HIGHWAY 9 NORTH MILL SPRING, NC 28756 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $79 | — | $79 | 0.24% |
| SENN DUNN INSURANCE3 | 1400 EAST CHESTER DRIVE SUITE 200 HIGH POINT, NC 27265 | COMMUNITY EYE CARE | $732 | — | $732 | 10.00% |
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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 130 | $879K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 136 | $92K |
| Vision | COMMUNITY EYE CARE | 114 | $7K |
| Life insurance | USABLE LIFE | 140 | $37K |
| Short-term disability(2 contracts, 2 carriers) | USABLE LIFE | 140 | $70K |
| Long-term disability | USABLE LIFE | 140 | $37K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 130 | $879K |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 140 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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."
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.