| 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 | $6K | $338 | $6K | 6.60% |
| CRESCENT HEALTH SOLUTIONS3 | 1200 RIDGEFIELD BLVD. ASHEVILLE, NE 28806 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 6.49% |
| SCOTT MATTHEW BOWLING3 | 1109 LUGANO DR. HENDERSONVILLE, NC 28791 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $122 | $4K | 3.80% |
| ELIZABETH KOENIG3 | P.O BOX 1177 ENKA, NC 28728 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $383 | $3K | 3.02% |
| DAVID D UNDERWOOD3 | PO BOX 32694 CHARLOTTE, NC 28232 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $559 | $46 | $605 | 0.65% |
| DENISE R. BAKER3 Filed as: DENISE R BAKER | 517 COUNTY HOME ROAD CONOVER, NC 28613 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $409 | — | $409 | 0.44% |
| MORROW INSURANCE AGENCY INC3 Filed as: MORROW INSURANCE AGENCY, INC | 800 BEVERLY HANKS CENTRE HENDERSONVILLE, NC 28792 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $247 | — | $247 | 0.27% |
| FRANCES LYNN MCCARTER3 | 10331 LINKSLAND DR. HUNTERSVILLE, NC 28078 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $224 | — | $224 | 0.24% |
| LINDA P COLEMAN3 | 18908 RIVER WIND LANE DAVIDSON, NC 28036 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $124 | — | $124 | 0.13% |
| JOHN L MORRIS3 Filed as: JOHN MORRIS | 117 ALLISON STREET FORT MILL, SC 29715 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $62 | — | $62 | 0.07% |
| PHIL COLEMAN3 | 18908 RIVERWIND LANE DAVIDSON, NC 28036 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $57 | — | $57 | 0.06% |
| DONNA N DWYER3 Filed as: DONNA N. DWYER | 1540 WESTBROOK PLAZA DRIVE WINSTON-SALEM, NC 27103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.05% |
| MORROW FINANCIAL SVS INC.3 | 158 HALL ROAD HORSE SHOE, NC 28742 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 0.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: CHARLES W. MARSH | 6155 CHAMBERLAIN PL WINSTON-SALEM, NC 27103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.02% |
| MELODIE M MCDANIEL3 Filed as: MELODIE M. MCDANIEL | 181 SILVER BLUFF DRIVE CANTON, NC 28716 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| JESSE MCDANIELS3 | 103 KNOLL RIDGE ROAD MILLS RIVER, NC 28759 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| CRESCENT HEALTH SOLUTIONS3 | 1200 RIDGEFIELD BLVD STE 215 ASHEVILLE, NC 28806 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| CRESCENT HEALTH SOLUTIONS3 Filed as: CRESCENT HEALTH SOLUTIONS INC | 1200 RIDGEFIELD BLVD STE 215 ASHEVILLE, NC 28806 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 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 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 SUITE 215 ASHEVILLE, NC 28806 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| LISA H MCKINNEY3 Filed as: LISA MCKINNEY | 56 GLEN COVE DR ARDEN, NC 28704 | AFLAC | $100 | — | $100 | 5.13% |
| PATSY A BLANTON3 Filed as: PATSY BLANTON | 41 HIDDEN CONNOR HOLW SYLVA, NC 28779 | AFLAC | $25 | — | $25 | 1.28% |
| TERRY J SILVERS3 Filed as: TERRY SILVERS | 100 GREENLEAF DR FLAT ROCK, NC 28731 | AFLAC | $23 | — | $23 | 1.18% |
| D AND V BUTLER INC3 Filed as: J BUTLER | 1440 OLD LENOIR RD STE A HICKORY, NC 28601 | AFLAC | $15 | — | $15 | 0.77% |
| ERIC S RUSSELL3 Filed as: ERIC RUSSELL | 120 ROCKWOOD DR HENDERSONVILLE, NC 28792 | AFLAC | $13 | — | $13 | 0.67% |
| SUSAN HAMER3 | 120 W ALLEN ST STE 20 HENDERSONVILLE, NC 28792 | AFLAC | $9 | — | $9 | 0.46% |
| KATRINA D AIKEN3 Filed as: KATRINA AIKEN | 2511 JUDITY ST LYNCHBURG, VA 24501 | AFLAC | $2 | — | $2 | 0.10% |
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 | 195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 172 | $85K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 186 | $126K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 186 | $153K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 186 | $31K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 186 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.