| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN BURCHFIELD | PO BOX 3414 CONCORD, NC 28025 | BLUECROSSBLUESHIELD | $34K | $11K | $45K | 4.08% |
| BURCHFIELD INSURANCE GROUP INC Filed as: BURCHFIELD | PO BOX 3414 CONCORD, NC 28025 | GUARDIAN | $3K | — | $3K | 7.00% |
| BURCHFIELD INSURANCE GROUP INC Filed as: BURCHFIELD | PO BOX 3414 CONCORD, NC 28025 | USABLE | $3K | $438 | $3K | 11.43% |
| MOSAIC GROUP SERVICES Filed as: MOSAIC | PO BOX 2291 DURHAM, NC 27702 | USABLE | $2K | — | $2K | 5.00% |
| JEFFREY D HOWARD Filed as: JEFFREY HOWARD | 9812 CHATHAMOAKS CHARLOTTE, NC 28210 | COLONIAL LIFE | $72 | — | $72 | 2.63% |
| DAVID UNDERWOOD | PO BOX 32694 CHARLOTTE, NC 28232 | COLONIAL LIFE | $42 | — | $42 | 1.54% |
| FRANCES LYNN MCCARTER | 10331 LINKSLAND HUNTERSVILLE, NC 28078 | COLONIAL LIFE | $36 | — | $36 | 1.32% |
| LINDA P COLEMAN Filed as: LINDA COLMAN | 18908 RIVER WIND LAN E DAVIDSON, NC 28036 | COLONIAL LIFE | $36 | — | $36 | 1.32% |
| PHIL COLEMAN | 18908 RIVERWIND DAVIDSON, NC 28036 | COLONIAL LIFE | $28 | — | $28 | 1.02% |
| TONI E STEED LLC Filed as: TONI STEEDLLC | 11218 WARFIELD HUNTERSVILLE, NC 28078 | COLONIAL LIFE | $28 | — | $28 | 1.02% |
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 | 126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSSBLUESHIELD | 126 | $1.1M |
| Dental | GUARDIAN | 126 | $50K |
| Life insurance(2 contracts, 2 carriers) | USABLE | 4 | $33K |
| Long-term disability | USABLE | 0 | $31K |
| Prescription drug | BLUECROSSBLUESHIELD | 126 | $1.1M |
| Other | COLONIAL LIFE | 4 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.