| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN J BURCHFIELD3 Filed as: BRIAN J. BURCHFIELD | P.O. BOX 3414 CONCORD, NC 28025 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $25K | — | $25K | 2.49% |
| BURCHFIELD INSURANCE GROUP INC3 Filed as: BURCHFIELD INSURANCE GROUP | PO BOX 3414 60 UNION ST S CONCORD, NC 28025 | PRINCIPAL LIFE INSURANCE COMPANY | $26K | $7K | $33K | 19.55% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DRIVE GREENSBORO, NC 274099047 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 3.58% |
| BURCHFIELD INSURANCE GROUP INC3 Filed as: BURCHFIELD INS GRP INC | PO BOX 3414 CONCORD, NC 28025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $421 | $5K | 11.20% |
| LINDA P COLEMAN3 | 18908 RIVERWIND LN DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $112 | $1K | 3.05% |
| DONNA N DWYER3 | 1003 WALLBURG HIGH POINT RD HIGH POINT, NC 27265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $623 | $609 | $1K | 2.93% |
| FRANCES LYNN MCCARTER3 | 10331 LINKSLAND DRIVE HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $41 | $1K | 2.89% |
| TONI E STEED LLC3 | 11218 WARFIELD AVE HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $983 | $101 | $1K | 2.58% |
| PHILLIP MCHONE3 | 1233 VILLAGE DR YADKINVILLE, NC 27055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $899 | — | $899 | 2.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: UNHUI KIM BROWN | PO BOX 1722 DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $840 | $24 | $864 | 2.05% |
| JOHN L MORRIS3 | 117 ALLISON STREET FORT MILL, SC 29715 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $260 | — | $260 | 0.62% |
| PHIL COLEMAN3 | 18908 RIVERWIND LANE DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $251 | — | $251 | 0.60% |
| WHICKER PARTNERSHIPS INC3 | 215 ESSEX FARM RD ADVANCE, NC 27006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $115 | — | $115 | 0.27% |
| JONATHAN RODNEY MORRIS3 | 1947 OLD NATION RD FORT MILL, SC 29715 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | — | $80 | 0.19% |
| JANE S WHICKER3 | 215 ESSEX FARM RD ADVANCE, NC 27006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.04% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | PO BOX 896620 CHARLOTTE, NC 28299 | COMMUNITY EYE CARE | $464 | — | $464 | 2.87% |
| BURCHFIELD INSURANCE GROUP INC3 | PO BOX 3414 CONCORD, NC 28025 | USABLE LIFE | $822 | $345 | $1K | 9.93% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $555 | — | $555 | 4.72% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | USABLE LIFE | $353 | — | $353 | 3.01% |
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 | 143 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 165 | $999K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 190 | $169K |
| Vision | COMMUNITY EYE CARE | 148 | $16K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 190 | $180K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 190 | $169K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 190 | $169K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 165 | $999K |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 165 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.