| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE CENTER PARKWAY SUITE 700 ATLANTA, GA 30328 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $4K | $13K | 3.69% |
| WCI EMPLOYER'S CHOICE, INC.3 | ONE TOWN SQUARE BOULEVARD SUITE 100 ASHEVILLE, NC 28803 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $170 | $0 | $170 | 0.05% |
| WCI EMPLOYER'S CHOICE, INC.3 | 1 TOWN SQUARE BOULEVARD, SUITE 100 ASHEVILLE, NC 28803 | DELTA DENTAL OF NORTH CAROLINA | $6K | $0 | $6K | 2.85% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF NORTH CAROLINA | $4K | $0 | $4K | 2.11% |
| MAIDEN BENEFITS GROUP INC3 Filed as: MAIDEN BENEFITS GROUP, INC. | 511 ISLAND FORD ROAD MAIDEN, NC 28650 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 4.43% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JONI BRON | 403 NORTH 1ST AVENUE MAIDEN, NC 28650 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $257 | $3K | 3.52% |
| JEFFREY BRANDON MCREE3 | 17133 DOE VALLEY COURT CORNELIUS, NC 28031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $132 | $2K | 2.09% |
| KEENA S GEORGE3 Filed as: KEENA S. GEORGE | 6367 STARTOWN ROAD MAIDEN, NC 28650 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $980 | $22 | $1K | 1.13% |
| THE HIIB GROUP OF NORTH CAROLINA3 | 530 NORTH TRADE STREET WINSTON SALEM, NC 27101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $616 | $0 | $616 | 0.69% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 Filed as: ALLEGACY BNFT SOLU, LLC AND AGENTS | PO BOX 25172 WINSTON SALEM, NC 27114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $207 | $0 | $207 | 0.23% |
| TODD GERALD GECEWICZ3 | 216 WEST GANNON AVENUE ZEBULON, NC 27597 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $177 | $0 | $177 | 0.20% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | COMMUNITY EYE CARE | $1K | $0 | $1K | 5.08% |
| WCI EMPLOYER'S CHOICE, INC.3 Filed as: WCI, INC. | 1 TOWN SQUARE BOULEVARD, SUITE 100 ASHEVILLE, NC 28803 | COMMUNITY EYE CARE | $1K | $0 | $1K | 4.92% |
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 | 329 | 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) | 329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 545 | $212K |
| Vision | COMMUNITY EYE CARE | 461 | $28K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 329 | $364K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 329 | $453K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 329 | $364K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 329 | $364K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 545 | — |
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."
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.