| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LYNN MCLEOD3 | 165 MCDOWELL RD MILLS RIVER, NC 28759 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $148 | $6K | 5.56% |
| ELIZABETH KOENIG3 | P.O. BOX 239 PISGAH FOREST, NC 28768 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 2.89% |
| DAVID D UNDERWOOD3 Filed as: DAVID D. UNDERWOOD | P.O. BOX 32694 CHARLOTTE, NC 28232 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $213 | $2K | 1.44% |
| BENEFITS COUNCIL INC.3 | 1401 CHRISTMAS COURT RALEIGH, NC 27604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $808 | $567 | $1K | 1.21% |
| ELAINE COX3 Filed as: ELAINE M. RUIZ | 276 N MAIN ST JEFFERSON, NC 28640 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $864 | $272 | $1K | 1.00% |
| SWIDPRO LLC3 | 4944 WINDY HILL DR, STE A RALEIGH, NC 27609 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $349 | $217 | $566 | 0.50% |
| TERI C. JENKINSON3 | P.O. BOX 1943 SYLVA, NC 28779 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $342 | $14 | $356 | 0.31% |
| MELODIE M MCDANIEL3 Filed as: MELODIE M. MCDANIEL | 181 SILVER BLUFF DR. CANTON, NC 28716 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $251 | — | $251 | 0.22% |
| D M BURRELL & ASSOCIATES INC.3 Filed as: DM BURRELL & ASSOCIATES INC | P.O. BOX 203 WAYNESVILLE, NC 28786 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $199 | $1 | $200 | 0.18% |
| KEENA S GEORGE3 Filed as: KEENA S. GEORGE | 6367 STARTOWN RD MAIDEN, NC 28650 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | — | $52 | 0.05% |
| JASON DOUGLAS WISE3 | 8712 WALKELIN CT RALEIGH, NC 27615 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | — | $48 | 0.04% |
| VANCE R. MOORE3 | 9018 LEBANON CHURCH RD CLARENDON, NC 28432 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.04% |
| KIMBERLY C. GALLARDO3 | 224 BIG SPIDER RD SYLVA, NC 28779 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.03% |
| JESSE MCDANIELS3 | 83 PROPST RD CANDLER, NC 28715 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.02% |
| MACDOUGALL BENEFITS LLC3 | P.O. BOX 17204 FERNANDINA BEACH, FL 32035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $2 | $11 | 0.01% |
| JANE A. PETERSON-OGLE3 | 86 HONEYSUCKLE LANE MILL SPRING, NC 28756 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: JONI BROWN | 403 N 1ST AVE MAIDEN, NC 28650 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| SAUNDERS BENEFITS CONSULTING LLC | 233 EAST BAY ST JACKSONVILLE, FL 32202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| ADAM ROBERT MACDOUGALL3 | P.O. BOX 17204 FERNANDINA BEACH, FL 32035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.00% |
| MAIDEN BENEFITS GROUP INC3 Filed as: MAIDEN BENEFITS GROUP, INC. | 2252 BLACKBURN BRIDGE RD MAIDEN, NC 28650 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 192 | $113K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 192 | $113K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 192 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.