| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LYNN MARIE BARRY3 Filed as: LYNN M. MCLEOD | 93 SCHOOL HOUSE RD MILLS RIVER, NC 28759 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | $4K | $17K | 11.01% |
| ELIZABETH KOENIG3 | P.O. BOX 1177 ENKA, NC 28728 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $568 | $4K | 2.37% |
| SCOTT MATTHEW BOWLING3 | 1109 LUGANO DR HENDERSONVILLE, NC 28791 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $100 | $2K | 1.09% |
| DAVID D UNDERWOOD3 Filed as: DAVID D. UNDERWOOD | P.O. BOX 32694 CHARLOTTE, NC 28232 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $307 | $1K | 0.95% |
| MELODIE M MCDANIEL3 Filed as: MELODIE M. MCDANIELS | 288 BACKWOODS TR CANTON, NC 28716 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $922 | — | $922 | 0.61% |
| SLATER CURTIS WOODALL3 | 288 BACKWOODS TRAIL CANTON, NC 28716 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $896 | — | $896 | 0.59% |
| WILLARD STOCKTON HILL3 | 132 EXETER CT. HENDERSONVILLE, NC 28791 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $448 | — | $448 | 0.30% |
| JANE A. PETERSON-OGLE3 | 86 HONEYSUCKLE LANE MILL SPRING, NC 28756 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $331 | — | $331 | 0.22% |
| JESSE MCDANIELS3 | 12 TORREY DR HENDERSONVILLE, NC 28792 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $263 | — | $263 | 0.17% |
| KENNA S GEORGE3 Filed as: KENNA S. GEORGE | 6367 STARTOWN RD MAIDEN, NC 28650 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $263 | — | $263 | 0.17% |
| SONYA RENEE PATTERSON3 | P.O. BOX 58 ENKA, NC 28728 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | — | $88 | 0.06% |
| VANCE R. MOORE3 | 2003 BRASSTOWN ROAD CULLOWHEE, NC 28723 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | — | $56 | 0.04% |
| TERESSA DIANN GAMBLE3 | 4190 HIGHWAY 9 NORTH MILL SPRING, NC 28756 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JONI BROWN | 403 N. 1ST AVE MAIDEN, NC 28650 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.01% |
| KIMBERLY C. GALLARDO3 | 224 BIG SPIDER RD SYLVA, NC 28779 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| MAIDEN BENEFITS GROUP INC3 Filed as: MAIDEN BENEFITS GROUP | 6211 STARTOWN ROAD MAIDEN, NC 28650 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| TERI C. JENKINSON3 | P.O. BOX 1943 SYLVA, NC 28779 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTERFLEX PAYMENTS LLC DBAAMERIFLEX EIN 27-2256926 CONTRACT ADMINISTRATION | Contract Administrator Service code 13 | 2508 HIGHLANDER WAY 200 CARROLLTON, TX 75006 | $6K |
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 | 209 | 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) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 209 | $152K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 209 | $152K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 209 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.