| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WCI EMPLOYER'S CHOICE, INC.3 Filed as: WCI, INC | ONE TOWN SQUARE BLVD, STE 100 ASHEVILLE, NC 28803 | BERKLEY LIFE & HEALTH INSURANCE CO | $72K | $20K | $92K | 12.15% |
| WCI EMPLOYER'S CHOICE, INC.3 Filed as: WCI, INC | ONE TOWN SQUARE BLVD, STE 100 ASHEVILLE, NC 28803 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $545 | $0 | $545 | 0.18% |
| MAIDEN BENEFITS GROUP INC3 | 511 ISLAND FORD RD MAIDEN, NC 28650 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $458 | $5K | 5.40% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JONI BROWN | 403 N. 1ST AVE MAIDEN, NC 28650 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $442 | $4K | 4.45% |
| JEFFREY BRANDON MCREE3 | 17133 DOE VALLEY COURT CORNELIUS, NC 28031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $228 | $2K | 2.31% |
| KEENA S GEORGE3 | 6367 STARTOWN RD MAIDEN, NC 28650 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $19 | $1K | 1.23% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 | PO BOX 25172 WINSTON SALEM, NC 27114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $743 | $0 | $743 | 0.81% |
| TODD GERALD GECEWICZ3 | 216 W GANNON AVE ZEBULON, NC 27597 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $184 | $0 | $184 | 0.20% |
| CEDORA B LEVINER3 | PO BOX 758 KANNAPOLIS, NC 28082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | $0 | $48 | 0.05% |
| LYNN MARIE BARRY3 Filed as: LYNN M MCLEOD | 165 MCDOWELL ROAD MILLS RIVER, NC 28759 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | $0 | $44 | 0.05% |
| INSYNC BENEFITS INC3 | PO BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $0 | $32 | 0.03% |
| PATRICIA L CARON3 | 7 AVENIDA VISTA GRANDE SANTA FE, NM 87508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
| MARSHA RUSSELL3 | 100 HARLEY LANE POOLER, GA 31322 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
| CRYSTAL R GUPTON3 | 200 LAFORET DR MORGANTON, NC 28655 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| BARRETT L PATTERSON3 | 1522 DELLWOOD DR RALEIGH, NC 27607 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| AP GLOBAL INSURNACE SERVICES LLC3 | 5300 TEN-TEN RD APEX, NC 27539 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WCI EMPLOYERS CHOICE INC EIN 20-0410005 NONE | Insurance agents and brokers Service code 22 | — | $92K |
| EMPLOYEE BENEFIT MANAGEMENT SERVICE EIN 81-0391256 NONE | Other fees Service code 99 | — | $90K |
| SONA HEALTH INC EIN 20-2939130 NONE | Other fees Service code 99 | — | $85K |
| CIGNA HEALTH & LIFE INSURANCE CO. EIN 59-1031071 NONE | Other fees Service code 99 | — | $17K |
| FIRST HEALTH GROUP CORP EIN 20-1736437 NONE | Other fees Service code 99 | — | $9K |
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 | 301 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 301 | $301K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 301 | $301K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 301 | $393K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 301 | $301K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE & HEALTH INSURANCE CO | 253 | $759K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 301 | $301K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.