| 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 | $45K | — | $45K | 11.81% |
| J. ARTHUR DAIL, INC.3 Filed as: J ARTHUR DAIL, INC | 6000 FAIRVIEW ROAD STE 1180 CHARLOTTE, NC 28210 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $522 | $5K | 9.75% |
| THE RJC GROUP, LLC3 Filed as: RJC GROUP LLC | 6000 FAIRVIEW RD ATE 1180 CHARLOTTE, NC 28210 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.44% |
| DAILYFEATS INC.3 | 131 TREMONT STREET 3RD FLOOR BOSTON, MA 02111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $848 | — | $848 | 1.74% |
| MAIDEN BENEFITS GROUP INC3 | 511 ISLAND FORD RD MAIDEN, NC 28650 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $740 | $101 | $841 | 6.13% |
| WINTERS INSURANCE GROUP LLP3 Filed as: WINTERS INSURANCE AGENCY INC | 5581 BROOKWOOD LANE HICKORY, NC 28602 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $703 | — | $703 | 5.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JONI BROWN | 403 N. 1ST AVE MAIDEN, NC 28650 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $145 | $52 | $197 | 1.44% |
| KEENA S GEORGE3 | 6367 STARTOWN ROAD MAIDEN, NC 28650 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $159 | $11 | $170 | 1.24% |
| JEFFREY BRANDON MCREE3 | 17133 DOE VALLEY COURT CORNELIUS, NC 28301 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $116 | $43 | $159 | 1.16% |
| ANGELA SIGMON FOX3 | 2174 EAST MAIDEN ROAD MAIDEN, NC 28650 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.28% |
| INSYNC BENEFITS INC3 Filed as: INSYNC BENEFIST INC | P O BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.15% |
| LEON MARTIN3 | 1520 MARTIN STREET WINSTON SALEM, NC 27103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.14% |
| BARRETT L PATTERSON3 | P O BOX 10641 RALEIGH, NC 27605 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.08% |
| FRANK DUNCAN3 Filed as: FRANK P DUNCAN | 805 CHEEK LANE GRAHAM, NC 27253 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.04% |
| PIERCE GROUP BENEFITS LLC3 | 4928 LINKSLAND DR HOLLY SPRINGS, NC 27540 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.04% |
| STATEWIDE BENEFITS INC3 | P O BOX 20106 RALEIGH, NC 27619 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.03% |
| ROBERT TAYLOR GROUP INC3 | P O BOX 2000 WINTERVILLE, NC 28590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: CHARLES W MARSH | 6155 CHAMBERLAIN PL WINSTON SALEM, NC 27103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| PHIL COLEMAN3 | 18908 RIVERWIND LN DAVIDSON, NC 28036 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| DONNA N DWYER3 | 1540 WESTBROOK PLAZA DR WINSTON SALEM, NC 27103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| GEORGE S. WILLOUGHBY & ASSOCIATES3 Filed as: GEORGE S WILLOUGHBY & ASSOCIATES IN | 8304 MOURNING DOVE RD RALEIGH, NC 27615 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| GLENN ZIMMERMAN INC3 | 1510 HIGH ROCK ROAD GIBSONVILLE, NC 27249 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| 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 | 252 | 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) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 385 | $382K |
| Dental | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 26 | $14K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 26 | $14K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 26 | $14K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 385 | $382K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 385 | $382K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 252 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 385 | — |
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.