| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRESCENT HEALTH SOLUTIONS3 | 1200 RIDGEFIELD BLVD SUITE 215 ASHEVILLE, NC 28806 | AMERICAN UNITED LIFE INSURANCE COMPANY | $14K | — | $14K | 11.45% |
| MORROW INSURANCE AGENCY INC3 Filed as: MORROW INSURANCE AGENCY, INC | P.O. BOX 1109 HENDERSONVILLE, NC 28793 | AMERICAN UNITED LIFE INSURANCE COMPANY | $57 | — | $57 | 0.05% |
| MYRNA S HARRIS3 | 1200 RIDGEFIELD BLVD SUITE 215 ASHEVILLE, NC 28806 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| LYNN MARIE BARRY3 Filed as: LYNN M MCLEOD | 93 SCHOOL HOUSE ROAD MILLS RIVER, NC 28759 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $2K | $8K | 13.16% |
| CRESCENT HEALTH SOLUTIONS3 | 1200 RIDGEFIELD BLVD. ASHEVILLE, NE 28806 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 8.88% |
| ELIZABETH KOENIG3 | P.O BOX 1177 ENKA, NC 28728 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $645 | $3K | 5.08% |
| SCOTT MATTHEW BOWLING3 | 1109 LUGANO DR. HENDERSONVILLE, NC 28791 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $195 | $2K | 4.19% |
| DAVID D UNDERWOOD3 | P.O. BOX 32694 CHARLOTTE, NC 28232 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $948 | $178 | $1K | 1.92% |
| WILLARD STOCKTON HILL3 | 132 EXETER CT HENDERSONVILLE, NC 28791 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $881 | — | $881 | 1.50% |
| MORROW INSURANCE AGENCY INC3 Filed as: MORROW INSURANCE AGENCY, INC | P.O. BOX 1109 HENDERSONVILLE, NC 28793 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $414 | — | $414 | 0.71% |
| FRANCES LYNN MCCARTER3 | 10331 LINKSLAND DR. HUNTERSVILLE, NC 28078 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $347 | — | $347 | 0.59% |
| LINDA P COLEMAN3 | 18908 RIVER WIND LANE DAVIDSON, NC 28036 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $197 | — | $197 | 0.34% |
| MORROW FINANCIAL SVS INC.3 | 158 HALL ROAD HORSE SHOE, NC 28742 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $173 | — | $173 | 0.30% |
| PHIL COLEMAN3 | 18908 RIVERWIND LANE DAVIDSON, NC 28036 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $99 | — | $99 | 0.17% |
| JOHN L MORRIS3 Filed as: JOHN MORRIS | 117 ALLISON STREET FORT MILL, SC 29715 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $78 | — | $78 | 0.13% |
| DONNA N DWYER3 Filed as: DONNA N. DWYER | 1540 WESTBROOK PLAZA DRIVE WINSTON-SALEM, NC 27103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $72 | $3 | $75 | 0.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: CHARLES W. MARSH | 6155 CHAMBERLAIN PL WINSTON-SALEM, NC 27103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.06% |
| TONI E STEED LLC3 | 11218 WARFIELD AVE. HUNTERSVILLE, NC 28078 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.03% |
| JOEL T MAYO3 | 8000 STONEHAVEN DRIVE WAXHAW, NC 28713 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.03% |
| LEON MARTIN3 | 1520 MARTIN STREET WINSTON-SALEM, NC 27103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.02% |
| BILL DUNCAN3 | 1321 CHURCHILL DOWNS DR WAXHAW, NC 28173 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.02% |
| REGENCY 21 INSURANCE AGENCY INC3 | 4928 LINKSLAND DRIVE HOLLY SPRINGS, NC 27540 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.02% |
| MELODIE M MCDANIEL3 Filed as: MELODIE M. MCDANIEL | 288 BACKWOODS TRL CANTON, NC 28716 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.02% |
| PIERCE GROUP BENEFITS LLC3 | 4928 LINKSLAND DRIVE HOLLY SPRINGS, NC 27540 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.02% |
| DAVID C CHARLAND3 | 4928 LINKSLAND DRIVE HOLLY SPRINGS, NC 27540 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.02% |
| JESSE MCDANIELS3 | 93 SCHOOLHOUSE ROAD MILLS RIVER, NC 28759 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| ERIC S RUSSELL3 | 120 ROCKWOOD DRIVE HENDERSONVILLE, NC 28792 | AFLAC | $160 | $16 | $176 | 6.97% |
| MARY B MCCRAW3 | 134 LARGO LANE HENDERSONVILLE, NC 28792 | AFLAC | $126 | — | $126 | 4.99% |
| JANICE C BOYD3 | 586 OAK GROVE RD FLAT ROCK, NC 28731 | AFLAC | $68 | $3 | $71 | 2.81% |
| SUSAN HAMER3 | 120 W ALLEN ST STE 20 HENDERSONVILLE, NC 28792 | AFLAC | $58 | $3 | $61 | 2.42% |
| CHERYL ADAMS3 Filed as: CHERYL S ADAMS | 15D KRISTA CIRCLE CANDLER, NC 28715 | AFLAC | $27 | — | $27 | 1.07% |
| JOSH FIELDS SERVICES INC3 Filed as: JOSH FIELD SERVICES | 160 N MAIN ST STE 8 WAYNESVILLE, NC 28786 | AFLAC | $18 | — | $18 | 0.71% |
| J MICHAEL BUTLER3 | 1440 OLD LENOIR RD STE A HICKORY, NE 28601 | AFLAC | $11 | — | $11 | 0.44% |
| CANDICE BRUNO3 | 23 BAILEY ROAD CANDLER, NC 28715 | AFLAC | $8 | — | $8 | 0.32% |
| TERRY J SILVERS3 | 100 GREENLEAF DR FLAT ROCK, NC 28731 | AFLAC | $8 | — | $8 | 0.32% |
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 | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 143 | $84K |
| Vision | AFLAC | 4 | $3K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 158 | $178K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 158 | $178K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 158 | $120K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 158 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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.