| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| D M BURRELL & ASSOCIATES INC.3 Filed as: D.M. BURRELL AND ASSOCIATES, INC. | PO BOX 868 WAYNESVILLE, NC 28786 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14K | — | $14K | 9.23% |
| SCOTT MATTHEW BOWLING3 | 1109 LUGANO DRIVE HENDERSONVILLE, NC 28791 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $182 | $5K | 3.55% |
| LYNN MARIE BARRY3 Filed as: LYNN M. MCLEOD | 93 SCHOOL HOUSE ROAD MILLS RIVER, NC 28759 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $741 | $4K | 2.80% |
| ELIZABETH KOENIG3 | PO BOX 1177 ENKA, NC 28728 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $443 | $2K | 1.56% |
| KIMBERLY C. GALLARDO3 | 224 BIG SPIDER ROAD SYLVA, NC 28779 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $517 | $12 | $529 | 0.35% |
| MJ INSURANCE3 Filed as: SONYA PATTERSON AND VARIOUS AGENTS | PO BOX 58 ENKA, NC 28728 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $261 | $106 | $367 | 0.25% |
| TERI C. JENKINSON3 | PO BOX 1943 SYLVA, NC 28779 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $174 | — | $174 | 0.12% |
| ESTHER L. MEYERS3 | PO BOX 1193 CHEROKEE, NC 28719 | AFLAC | $14K | $674 | $15K | 10.26% |
| MJ INSURANCE3 Filed as: JANICE C. BOYD AND VARIOUS AGENTS | 586 OAK GROVE ROAD FLAT ROCK, NC 28739 | AFLAC | $6K | $160 | $7K | 4.50% |
| ERIC S RUSSELL3 Filed as: ERIC S. RUSSELL | 120 ROCKWOOD DRIVE HENDERSONVILLE, NC 28792 | AFLAC | $6K | $331 | $6K | 4.19% |
| SUSAN RUSSELL3 | 120 WEST ALLEN STREET, SUITE 20 HENDERSONVILLE, NC 28792 | AFLAC | $4K | $210 | $4K | 2.82% |
| JOSH FIELDS SERVICES INC3 Filed as: JOSH FIELDS SERVICES, INC. | 160 NORTH MAIN STREET, SUITE 8 WAYNESVILLE, NC 28786 | AFLAC | $2K | $67 | $2K | 1.20% |
| J MICHAEL BUTLER3 Filed as: J. MICHAEL BUTLER | 1440 OLD LENOIR ROAD, SUITE A HICKORY, NC 28601 | AFLAC | $2K | $209 | $2K | 1.17% |
| JOSH FIELDS SERVICES INC3 Filed as: JOSH FIELDS SERVICES, INC. | 37 CHURCH STREET, SUITE B WAYNESVILLE, NC 28786 | AFLAC | $1K | — | $1K | 0.69% |
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 | 3,538 | 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) | 3,538 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,134 | $109K |
| Life insurance(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,538 | $1.4M |
| Short-term disability(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,538 | $1.4M |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,538 | $1.3M |
| Other(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,538 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,538 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.