| 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 | $2K | $386 | $3K | 5.10% |
| WNC BENEFITS GROUP3 Filed as: WNC BENEFITS GROUP, INC. | 93 SCHOOL HOUSE ROAD MILLS RIVER, NC 28759 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 3.28% |
| JESSE MCDANIELS3 | 103 KNOLL RIDGE ROAD MILLS RIVER, NC 28759 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $947 | — | $947 | 1.68% |
| ELIZABETH KOENIG3 | PO BOX 1177 ENKA, NC 28728 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $480 | $64 | $544 | 0.97% |
| MELODIE M MCDANIEL3 Filed as: MELODIE MCDANIEL AND OTHER AGENTS | 288 BACKWOODS TRAIL CANTON, NC 28716 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $396 | — | $396 | 0.70% |
| SCOTT MATTHEW BOWLING3 | 1109 LUGANO DRIVE HENDERSONVILLE, NC 28791 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $235 | $9 | $244 | 0.43% |
| MITCHELL GAMBILL INSURANCE & FINAN.3 | 1516 5TH AVENUE WEST HENDERSONVILLE, NC 28739 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $230 | — | $230 | 0.41% |
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 | 245 | $0 |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 245 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.