| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRESCENT HEALTH SOLUTIONS3 | 1200 RIDGEFIELD BLVD SUITE 215 ASHEVILLE, NC 28806 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $1K | $15K | 7.33% |
| LYNN MARIE BARRY3 Filed as: LYNN M MCLEOD | 93 SCHOOL HOUSE ROAD MILLS RIVER, NC 28759 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $862 | $9K | 7.28% |
| CRESCENT HEALTH SOLUTIONS3 | 1200 RIDGEFIELD BLVD. ASHEVILLE, NE 28806 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | — | $9K | 6.85% |
| SCOTT MATTHEW BOWLING3 | 1109 LUGANO DR. HENDERSONVILLE, NC 28791 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $68 | $4K | 3.35% |
| ELIZABETH KOENIG3 | P.O BOX 1177 ENKA, NC 28728 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $463 | $4K | 3.30% |
| KATHERINE MICHELLE DEMETER3 | 423 FLAT TOP MOUNTAIN RD FAIRVIEW, NC 28730 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $830 | — | $830 | 0.67% |
| DAWN HARTIS3 | 136 HIGHLAND RD WAYNESVILLE, NC 28786 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $508 | — | $508 | 0.41% |
| DAVID D UNDERWOOD3 | PO BOX 32694 CHARLOTTE, NC 28232 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $321 | $4 | $325 | 0.26% |
| MORROW INSURANCE AGENCY INC3 Filed as: MORROW INSURANCE AGENCY, INC | 800 BEVERLY HANKS CENTRE HENDERSONVILLE, NC 28792 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $268 | — | $268 | 0.22% |
| FRANCES LYNN MCCARTER3 | 10331 LINKSLAND DR. HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $242 | — | $242 | 0.19% |
| LINDA P COLEMAN3 | 18908 RIVER WIND LANE DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $134 | — | $134 | 0.11% |
| JOHN L MORRIS3 Filed as: JOHN MORRIS | 117 ALLISON STREET FORT MILL, SC 29715 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | — | $75 | 0.06% |
| PHIL COLEMAN3 | 18908 RIVERWIND LANE DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | — | $61 | 0.05% |
| DONNA N DWYER3 Filed as: DONNA N. DWYER | 1540 WESTBROOK PLAZA DRIVE WINSTON-SALEM, NC 27103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 0.04% |
| DENISE R. BAKER3 Filed as: DENISE R BAKER | 517 COUNTY HOME ROAD CONOVER, NC 28613 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.02% |
| ANDERSON BENEFIT SOLUTIONS3 | 3821 LAKE PADGETT DR LAND O LAKES, FL 34639 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $9 | $28 | 0.02% |
| SKOLNIK BENEFIT SOLUTIONS, LLC3 Filed as: SKOLNIK BENEFIT SOLUTIONS LLC | 4872 WATERWITCH POINT DRIVE ORLANDO, FL 32806 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.01% |
| CHOICE BENEFITS SOLUTIONS LLC3 | 6441 3RD PALM POINTE ST ST PETERSBURG BEACH, FL 33706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $8 | $14 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: CHARLES W. MARSH | 6155 CHAMBERLAIN PL WINSTON-SALEM, NC 27103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| MELODIE M MCDANIEL3 Filed as: MELODIE M. MCDANIEL | 181 SILVER BLUFF DRIVE CANTON, NC 28716 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 | 2150 49TH STREET N, SUITE F ST PETERSBURG, FL 33710 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $3 | $10 | 0.01% |
| JESSE MCDANIELS3 | 103 KNOLL RIDGE ROAD MILLS RIVER, NC 28759 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| MARY B MCCRAW3 | 134 LARGO LN HENDERSONVILLE, NC 28792 | AFLAC | $290 | — | $290 | 8.41% |
| ERIC S RUSSELL3 | 120 ROCKWOOD DR HENDERSONVILLE, NC 28792 | AFLAC | $140 | — | $140 | 4.06% |
| JANICE C BOYD3 | 120 W ALLEN ST STE 20 HENDERSONVILLE, NC 28792 | AFLAC | $109 | — | $109 | 3.16% |
| SUSAN HAMER3 | 120 W ALLEN ST STE 20 HENDERSONVILLE, NC 28792 | AFLAC | $78 | — | $78 | 2.26% |
| LISA H MCKINNEY3 Filed as: LISA MCKINNEY | 56 GLEN COVE DR ARDEN, NC 28704 | AFLAC | $66 | — | $66 | 1.91% |
| PATSY A BLANTON3 Filed as: PATSY BLANTON | 41 HIDDEN CONNOR HOLW SYLVA, NC 28779 | AFLAC | $32 | — | $32 | 0.93% |
| TERRY J SILVERS3 Filed as: TERRY SILVERS | 100 GREENLEAF DR FLAT ROCK, NC 28731 | AFLAC | $22 | — | $22 | 0.64% |
| J MICHAEL BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | AFLAC | $14 | — | $14 | 0.41% |
| KATRINA D AIKEN3 | 2511 JUDITH ST LYNCHBURG, VA 24501 | AFLAC | $2 | — | $2 | 0.06% |
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 | 197 | 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) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 202 | $208K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 202 | $332K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 202 | $332K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 202 | $208K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 202 | $211K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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.