| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEVIN WINTERMUTE3 | 301 S. TRYON STREET SUITE 2600 CHARLOTTE, NC 20854 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $41K | — | $41K | 2.55% |
| SHARON CUNNINGHAM3 | 22039 LADY GLENCIRN COURT CORNELIUS, NC 28203 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $1K | — | $1K | 0.09% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC | 4615 UNIVERSITY DR. DURHAM, NC 27707 | SYMETRA LIFE INSURANCE COMPANY | $78K | — | $78K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 55 BEATTIE PL #200 GREENVILLE, SC 29601 | SYMETRA LIFE INSURANCE COMPANY | — | $24K | $24K | 1.51% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS LIST ATTACHED | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $55K | $2K | $57K | 17.35% |
| D M BURRELL & ASSOCIATES INC.3 | PO BOX 203 WAYNESVILLE, NC 28786 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | — | $9K | 9.18% |
| LYNN MARIE BARRY3 Filed as: LYNN M MCLEOD | 165 MCDOWELL ROAD MILLS RIVER, NC 28759 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.07% |
| KIMBERLY C. GALLARDO3 Filed as: KIMBERLY C GALLARDO | 224 BIG SPIDER ROAD SYLVA, NC 28779 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $782 | — | $782 | 0.76% |
| ELIZABETH KOENIG3 | PO BOX 239 PISGAH FOREST, NC 28768 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $605 | — | $605 | 0.59% |
| TERI C. JENKINSON3 Filed as: TERI C JENKINSON | PO BOX 1943 SYLVA, NC 28779 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $536 | — | $536 | 0.52% |
| SWIDPRO LLC3 | 3316 SINGLELEAF LN. RALEIGH, NC 27616 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $230 | $151 | $381 | 0.37% |
| BENEFITS COUNT INC3 Filed as: BENEFITS COUNT INC. | 1401 CHRISTIMAS COURT RALEIGH, NC 27604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | $59 | $155 | 0.15% |
| SCOTT MATTHEW BOWLING3 | 799 FANNING BRIDGE RD. FLETCHER, NC 28732 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.03% |
| DAVID UNDERWOOD3 | PO BOX 32694 CHARLOTTE, NC 28232 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.03% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS - SEE ATTACHMENT | 1932 WYNTON ROAD COLUMBUS, GA 31999 | AFLAC | $1K | — | $1K | 31.97% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS - SEE ATTACHMENT | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $324 | — | $324 | 10.79% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS - SEE ATTACHMENT | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $29 | — | $29 | 5.79% |
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 | 2,492 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,505 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 3,535 | $1.6M |
| Vision | COMMUNITY EYE CARE | 3,910 | $182K |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 114 | $1.7M |
| Short-term disability(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 114 | $1.7M |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 0 | $1.6M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 3,535 | $1.6M |
| Other(6 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 382 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,910 | — |
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."
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.