| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LYNN MCLEOD3 | 165 MCDOWELL RD MILLS RIVER, NC 28759 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $564 | $12K | 8.09% |
| ELIZABETH KOENIG3 | P.O. BOX 239 PISGAH FOREST, NC 28768 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 2.30% |
| MELODIE M MCDANIEL3 Filed as: MELODIE M. MCDANIEL | 181 SILVER BLUFF DR. CANTON, NC 28716 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $222 | $2K | 1.20% |
| BENEFITS COUNCIL INC.3 | 1401 CHRISTMAS COURT RALEIGH, NC 27604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $503 | $2K | 1.09% |
| DAVID D UNDERWOOD3 Filed as: DAVID D. UNDERWOOD | P.O. BOX 32694 CHARLOTTE, NC 28232 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.91% |
| D M BURRELL & ASSOCIATES INC.3 Filed as: DM BURRELL & ASSOCIATES INC | P.O. BOX 203 WAYNESVILLE, NC 28786 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $456 | — | $456 | 0.30% |
| ELAINE M RUIZ3 Filed as: ELAINE M. RUIZ | 276 N MAIN ST JEFFERSON, NC 28640 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $439 | — | $439 | 0.29% |
| SWIDPRO LLC3 | 4944 WINDY HILL DR, STE A RALEIGH, NC 27609 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $165 | $88 | $253 | 0.17% |
| TRISTAN JOHNSON3 | 35 THOMPSON ST CANTON, NC 28716 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $228 | — | $228 | 0.15% |
| KEENA S GEORGE3 Filed as: KEENA S. GEORGE | 6367 STARTOWN RD MAIDEN, NC 28650 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | — | $84 | 0.06% |
| VANCE R. MOORE3 | 181 SILVER BLUFF DR CANTON, NC 28716 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | — | $52 | 0.03% |
| JESSE MCDANIELS3 | 83 PROPST RD CANDLER, NC 28715 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 0.03% |
| KIMBERLY C. GALLARDO3 | 224 BIG SPIDER RD SYLVA, NC 28779 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.03% |
| JANE A. PETERSON-OGLE3 | 86 HONEYSUCKLE LANE MILL SPRING, NC 28756 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 350 CONSHOHOCKEN, PA 19428 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 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 | $6 | — | $6 | 0.00% |
| TERI C. JENKINSON3 | P.O. BOX 1943 SYLVA, NC 28779 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| DENISE R. BAKER3 | 517 COUNTY HOME RD CONOVER, NC 28613 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MAIDEN BENEFITS GROUP INC3 Filed as: MAIDEN BENEFITS GROUP, INC. | 511 ISLAND FORD RD. MAIDEN, NC 28650 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ARTHUR WAYNE JORDAN JR3 Filed as: ARTHUR W. JORDAN JR. | 514 OAKWOOD AVE RALEIGH, NC 27601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BARRETT L PATTERSON3 Filed as: BARRETT L. PATTERSON | 1522 DELLWOOD DR RALEIGH, NC 27607 | 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 | 161 | 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) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 192 | $152K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 192 | $152K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 192 | $152K |
| 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.