| 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 | $7K | $711 | $8K | 8.88% |
| CRESCENT HEALTH SOLUTIONS3 | 1200 RIDGEFIELD BLVD. ASHEVILLE, NE 28806 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 8.63% |
| SCOTT MATTHEW BOWLING3 | 1109 LUGANO DR. HENDERSONVILLE, NC 28791 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $192 | $4K | 4.08% |
| ELIZABETH KOENIG3 | P.O BOX 1177 ENKA, NC 28728 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $377 | $3K | 3.50% |
| DAVID D UNDERWOOD3 | PO BOX 32694 CHARLOTTE, NC 28232 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $264 | $2K | 2.08% |
| SLATER CURTIS WOODALL3 | 16 DIVISION ST CANTON, NC 28716 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.35% |
| MORROW INSURANCE AGENCY INC3 Filed as: MORROW INSURANCE AGENCY, INC | P.O. BOX 1109 HENDERSONVILLE, NC 28793 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $319 | — | $319 | 0.35% |
| FRANCES LYNN MCCARTER3 | 10331 LINKSLAND DR. HUNTERSVILLE, NC 28078 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $285 | — | $285 | 0.31% |
| LINDA P COLEMAN3 | 18908 RIVER WIND LANE DAVIDSON, NC 28036 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $158 | — | $158 | 0.17% |
| WILLARD STOCKTON HILL3 | 128 COUNTRY RIDGE ROAD HENDERSONVILLE, NC 28739 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $119 | — | $119 | 0.13% |
| PHIL COLEMAN3 | 18908 RIVERWIND LANE DAVIDSON, NC 28036 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $71 | — | $71 | 0.08% |
| JOHN L MORRIS3 Filed as: JOHN MORRIS | 117 ALLISON STREET FORT MILL, SC 29715 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $65 | — | $65 | 0.07% |
| DONNA N DWYER3 Filed as: DONNA N. DWYER | 1540 WESTBROOK PLAZA DRIVE WINSTON-SALEM, NC 27103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $57 | — | $57 | 0.06% |
| MORROW FINANCIAL SVS INC.3 | 158 HALL ROAD HORSE SHOE, NC 28742 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: CHARLES W. MARSH | 6155 CHAMBERLAIN PL WINSTON-SALEM, NC 27103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.03% |
| JESSE MCDANIELS3 | 103 KNOLL RIDGE ROAD MILLS RIVER, NC 28759 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.02% |
| JOEL T MAYO3 | 8000 STONEHAVEN DRIVE WAXHAW, NC 28713 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.02% |
| BILL DUNCAN3 | 1321 CHURCHILL DOWNS DR WAXHAW, NC 28173 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| REGENCY 21 INSURANCE AGENCY INC3 | 4928 LINKSLAND DRIVE HOLLY SPRINGS, NC 27540 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| PIERCE GROUP BENEFITS LLC3 | 4928 LINKSLAND DRIVE HOLLY SPRINGS, NC 27540 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| MELODIE M MCDANIEL3 Filed as: MELODIE M. MCDANIEL | 16 DIVISION ST CANTON, NC 28716 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| DAVID C CHARLAND3 | 4928 LINKSLAND DRIVE HOLLY SPRINGS, NC 27540 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| TONI E STEED LLC3 | 11218 WARFIELD AVE. HUNTERSVILLE, NC 28078 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| LEON MARTIN3 | 1520 MARTIN STREET WINSTON-SALEM, NC 27103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| CRESCENT HEALTH SOLUTIONS3 | 1200 RIDGEFIELD BLVD STE 215 ASHEVILLE, NC 28806 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.37% |
| MYRNA S HARRIS3 | 1200 RIDGEFIELD BLVD SUITE 215 ASHEVILLE, NC 28806 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.63% |
| CRESCENT HEALTH SOLUTIONS3 Filed as: CRESCENT HEALTH SOLUTIONS INC | 1200 RIDGEFIELD BLVD STE 215 ASHEVILLE, NC 28806 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| CRESCENT HEALTH SOLUTIONS3 Filed as: CRESCENT HEALTH SOLUTIONS INC | 1200 RIDGEFIELD BLVD STE 215 ASHEVILLE, NC 28806 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| CRESCENT HEALTH SOLUTIONS3 Filed as: CRESCENT HEALTH SOLUTIONS INC | 1200 RIDGEFIELD BLVD STE 215 ASHEVILLE, NC 28806 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| CRESCENT HEALTH SOLUTIONS3 Filed as: CRESCENT HEALTH SOLUTIONS INC | 1200 RIDGEFIELD BLVD SUITE 215 ASHEVILLE, NC 28806 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
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 | 192 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 149 | $85K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 167 | $127K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 167 | $147K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 167 | $28K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 167 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.