| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC | 4615 UNIVERSITY DR. DURHAM, NC 27707 | SYMETRA LIFE INSURANCE COMPANY | $71K | — | $71K | 5.42% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 55 BEATTIE PL #200 GREENVILLE, SC 29601 | SYMETRA LIFE INSURANCE COMPANY | — | $41K | $41K | 3.15% |
| KEVIN WINTERMUTE3 | 301 S. TRYON STREET SUITE 2600 CHARLOTTE, NC 20854 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $29K | — | $29K | 3.22% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS LIST ATTACHED | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $51K | $687 | $51K | 16.31% |
| D M BURRELL & ASSOCIATES INC.3 | PO BOX 203 WAYNESVILLE, NC 28786 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 6.46% |
| LYNN MARIE BARRY3 Filed as: LYNN M MCLEOD | 165 MCDOWELL ROAD MILLS RIVER, NC 28759 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $11 | $1K | 1.06% |
| KIMBERLY C. GALLARDO3 Filed as: KIMBERLY C GALLARDO | 224 BIG SPIDER ROAD SYLVA, NC 28779 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $870 | — | $870 | 0.89% |
| ELIZABETH KOENIG3 | PO BOX 239 PISGAH FOREST, NC 28768 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $777 | $10 | $787 | 0.81% |
| TERI C. JENKINSON3 Filed as: TERI C JENKINSON | PO BOX 1943 SYLVA, NC 28779 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $691 | — | $691 | 0.71% |
| BENEFITS COUNT INC3 Filed as: BENEFITS COUNT INC. | 1401 CHRISTIMAS COURT RALEIGH, NC 27604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $167 | $55 | $222 | 0.23% |
| SCOTT MATTHEW BOWLING3 | 145 LARCHMONT DRIVE HENDERSONVILLE, NC 28791 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.04% |
| DAVID UNDERWOOD3 | PO BOX 32694 CHARLOTTE, NC 28232 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.03% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS - SEE ATTACHMENT | 1932 WYNTON ROAD COLUMBUS, GA 31999 | AFLAC | $340 | — | $340 | 9.94% |
| 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 | $88 | — | $88 | 8.77% |
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 | 2,452 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,461 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 2,346 | $886K |
| Vision | COMMUNITY EYE CARE | 2,663 | $127K |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 113 | $1.4M |
| Short-term disability(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 113 | $1.4M |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 0 | $1.3M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 2,346 | $886K |
| Other(6 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 188 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,663 | — |
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.
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.