| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LYNN MARIE BARRY3 Filed as: LYNN M MCLEOD | 93 SCHOOL HOUSE ROAD MILLS RIVER, NC 28759 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $102 | $3K | 5.22% |
| WNC BENEFITS GROUP3 Filed as: WNC BENEFITS GROUP INC | 93 SCHOOL HOUSE ROAD MILLS RIVER, NC 28759 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 4.83% |
| JESSE MCDANIELS3 | 103 KNOLL RIDGE ROAD MILLS RIVER, NC 28759 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 2.38% |
| ELIZABETH KOENIG3 Filed as: ELIZABETH KOENING | PO BOX 1177 ENKA, NC 28728 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $883 | $135 | $1K | 1.94% |
| SCOTT MATTHEW BOWLING3 | 1109 LUGANO DRIVE HENDERSONVILLE, NC 28791 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $257 | $5 | $262 | 0.50% |
| MELODIE M MCDANIEL3 Filed as: MELODIE M MCDANIEL AND VARIOUS AGEN | 16 DIVISION STREET CANTON, NC 28716 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $259 | $0 | $259 | 0.49% |
| MICHAEL A GAMBILL INSURANCE & FINAN3 | 1516 5TH AVENUE WEST HENDERSONVILLE, NC 28739 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $198 | $0 | $198 | 0.38% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | PO BOX 601478 CHARLOTTE, NC 28260 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 15.74% |
| IBSI HOLDINGS INC3 Filed as: IBSI HOLDING INC | 1381 OLD MILL CIRCLE SUITE 301 WINSTON SALEM, NC 27103 | STANDARD INSURANCE COMPANY | $242 | $32 | $274 | 1.68% |
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 | 241 | 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) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 0 | $9K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 241 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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.