| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN J DAIL, II3 | 6000 FAIRVIEW ROAD STE 1180 CHARLOTTE, NC 28210 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $7K | — | $7K | 1.44% |
| JOHN J DAIL, II3 Filed as: JOHN J. DAIL II | 6000 FAIRVIEW RD STE 1180 CHARLOTTE, NC 28210 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $8K | — | $8K | 7.47% |
| GLENN WINTERS INSURANCE AGENCY3 Filed as: GLENN R. WINTERS | 5581 BROOKWOOD LANE HICKORY, NC 28602 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $3K | — | $3K | 2.53% |
| MAIDEN BENEFITS GROUP INC3 | 511 ISLAND FORD RD MAIDEN, NC 28650 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $2K | $7K | 32.26% |
| WINTERS INSURANCE GROUP LLP3 Filed as: WINTERS INSURANCE AGENCY INC | 5581 BROOKWOOD LANE HICKORY, NC 28602 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $268 | $5K | 21.97% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JONI BROWN | 403 N. 1ST AVE MAIDEN, NC 28650 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $226 | $1K | 5.83% |
| KEENA S GEORGE3 | 6367 STARTOWN ROAD MAIDEN, NC 28650 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $821 | $97 | $918 | 4.19% |
| JEFFREY BRANDON MCREE3 | 17133 DOE VALLEY COURT CORNELIUS, NC 28301 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $811 | $106 | $917 | 4.19% |
| ANGELA SIGMON FOX3 | 2174 EAST MAIDEN ROAD MAIDEN, NC 28650 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $425 | — | $425 | 1.94% |
| FRANK DUNCAN3 Filed as: FRANK P DUNCAN | 805 CHEEK LANE GRAHAM, NC 27253 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.11% |
| PIERCE GROUP BENEFITS LLC3 | 4928 LINKSLAND DR HOLLY SPRINGS, NC 27450 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.07% |
| JOHN J DAIL, II3 Filed as: JOHN J DAIL II | 6000 FAIRVIEW RD STE 1180 CHARLOTTE, NC 28210 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $1K | — | $1K | 9.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SAVERS ADMINISTRATIVE SERVICES EIN 57-1177739 NONE | Contract Administrator Service code 13 | — | $10K |
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 | 233 | 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) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 386 | $496K |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 145 | $130K |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 108 | $11K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 36 | $22K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 36 | $22K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 386 | $496K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 386 | $496K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 36 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 386 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.