| 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 AND ACCIDENT INSURANCE COMPANY | $3K | $450 | $3K | 5.78% |
| WNC BENEFITS GROUP3 Filed as: WNC BENEFITS GROUP, INC. | 93 SCHOOL HOUSE ROAD MILLS RIVER, NC 28759 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 4.19% |
| SCOTT MATTHEW BOWLING3 | 1109 LUGANO DRIVE HENDERSONVILLE, NC 28791 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $788 | $29 | $817 | 1.37% |
| MELODIE M MCDANIEL3 Filed as: MELODIE M. MCDANIEL & OTHER AGENTS | 288 BACKWOODS TRAIL CANTON, NC 28716 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $791 | — | $791 | 1.32% |
| ELIZABETH KOENIG3 | PO BOX 1177 ENKA, NC 28728 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $581 | $117 | $698 | 1.17% |
| WILLARD STOCKTON HILL3 | 132 EXETER COURT HENDERSONVILLE, NC 28791 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $653 | — | $653 | 1.09% |
| JESSE MCDANIELS3 | 93 SCHOOLHOUSE ROAD MILLS RIVER, NC 28759 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $645 | — | $645 | 1.08% |
| WELLS FARGO INSURANCE SERVICES3 | PO BOX 203417 DALLAS, TX 75320 | DELTA DENTAL OF NORTH CAROLINA | $5K | — | $5K | 9.06% |
| IBSI HOLDINGS INC3 Filed as: IBSI HOLDINGS, INC. | PO BOX 24337 WINSTON SALEM, NC 27114 | DELTA DENTAL OF NORTH CAROLINA | $2K | — | $2K | 4.22% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: WACHOVIA INSURANCE SERVICES | UNKNOWN HENDERSONVILLE, NC 28792 | SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 15.93% |
| IBSI HOLDINGS INC3 Filed as: IBSI HOLDINGS, INC. | UNKNOWN HENDERSONVILLE, NC 28792 | SECURITY LIFE INSURANCE COMPANY | $214 | — | $214 | 1.31% |
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 | 245 | 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) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 206 | $58K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 267 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.