| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | UNKNOWN ALPHARETTA, GA 30009 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $301K | $0 | $301K | 12.70% |
| GADA INSURANCE SERVICES3 Filed as: GADA SERVICES, INC. | UNKNOWN ATLANTA, GA 30339 | AMERICAN FIDELITY ASSURANCE COMPANY | $35K | $0 | $35K | 7.79% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $23K | $0 | $23K | 5.19% |
| BURCHFIELD INSURANCE GROUP INC3 Filed as: BURCHFIELD INSURANCE GROUP, INC. | PO BOX 3414 CONCORD, NC 28025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $205 | $3K | 7.01% |
| FRANCES LYNN MCCARTER3 | 10331 LINKSLAND DRIVE HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 3.66% |
| ERIKA ROBERTS-POE3 Filed as: ERIKA D. DALTON | 2146 STONE PILE DRIVE SW CONCORD, NC 28025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 3.18% |
| DONNA N DWYER3 Filed as: DONNA N. DWYER | 1003 WALLBURG HIGH POINT ROAD HIGH POINT, NC 27265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $487 | $278 | $765 | 1.88% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: UNHUI KIM BROWN | PO BOX 1722 DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $578 | $6 | $584 | 1.43% |
| TONI E STEED LLC3 Filed as: TONI E. STEED, LLC | 11218 WARFIELD AVENUE HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $345 | $0 | $345 | 0.85% |
| PHIL COLEMAN3 | 18908 RIVERWIND LANE DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $127 | $0 | $127 | 0.31% |
| BURCHFIELD INSURANCE GROUP INC3 Filed as: BURCHFIELD INSURANCE GROUP, INC. | PO BOX 3414 CONCORD, NC 28025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $274 | $3K | 9.32% |
| TONI E STEED LLC3 Filed as: TONI E. STEED, LLC | 11218 WARFIELD AVENUE HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $70 | $2K | 5.39% |
| FRANCES LYNN MCCARTER3 | 10331 LINKSLAND DRIVE HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 4.68% |
| DONNA N DWYER3 Filed as: DONNA N. DWYER | 1003 WALLBURG HIGH POINT ROAD HIGH POINT, NC 27265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $409 | $272 | $681 | 2.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: UNHUI KIM BROWN | PO BOX 1722 DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $584 | $9 | $593 | 1.84% |
| PHIL COLEMAN3 Filed as: PHIL COLEMAN AND OTHER AGENTS | 18908 RIVERWIND LANE DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $259 | $5 | $264 | 0.82% |
| WILLIAM T MILLER3 Filed as: WILLIAM T. MILLER | 2908 OTRANTO ROAD, LOT 48 NORTH CHARLESTON, SC 29406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $199 | $0 | $199 | 0.62% |
| BURCHFIELD INSURANCE GROUP INC3 Filed as: BURCHFIELD INSURANCE GROUP, INC. | PO BOX 3414 CONCORD, NC 28025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $318 | $3K | 11.14% |
| FRANCES LYNN MCCARTER3 | 10331 LINKSLAND DRIVE HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 6.15% |
| TONI E STEED LLC3 Filed as: TONI E. STEED, LLC | 11218 WARFIELD AVENUE HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $77 | $2K | 5.98% |
| DONNA N DWYER3 Filed as: DONNA N. DWYER | 1003 WALLBURG HIGH POINT ROAD HIGH POINT, NC 27265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $359 | $242 | $601 | 1.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: UNHUI KIM BROWN | PO BOX 1722 DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $481 | $9 | $490 | 1.61% |
| PHIL COLEMAN3 Filed as: PHIL COLEMAN AND OTHER AGENTS | 18908 RIVERWIND LANE DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $405 | $8 | $413 | 1.36% |
| DAVID UNDERWOOD3 | PO BOX 32694 CHARLOTTE, NC 28232 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $196 | $0 | $196 | 0.64% |
| FRANCES LYNN MCCARTER3 | 10331 LINKSLAND DRIVE HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 7.63% |
| MICHELLE MUELLER LEA3 | 6070 BRANDON RUN BRADENTON, FL 34211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $83 | $1K | 5.40% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: UNHUI KIM BROWN | PO BOX 1722 DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $844 | $6 | $850 | 3.23% |
| DONNA N DWYER3 Filed as: DONNA N. DWYER | 1003 WALLBURG HIGH POINT ROAD HIGH POINT, NC 27265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $234 | $123 | $357 | 1.36% |
| JUSTIN M REYNOLDS3 Filed as: JUSTIN M. REYNOLDS | 11905 PERSIAN TERRACE BRADENTON, FL 34212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $131 | $10 | $141 | 0.54% |
| PHIL COLEMAN3 | 18908 RIVERWIND LANE DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | $0 | $90 | 0.34% |
| CORCORAN & HOYT LLC3 Filed as: CORCORAN & HOYT, LLC | 3905 TAMPA ROAD OLDSMAR, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $8 | $23 | 0.09% |
| FRANCES LYNN MCCARTER3 | 10331 LINKSLAND DRIVE HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $946 | $0 | $946 | 4.47% |
| BURCHFIELD INSURANCE GROUP INC3 Filed as: BURCHFIELD INSURANCE GROUP, INC. | PO BOX 3414 CONCORD, NC 28025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $735 | $58 | $793 | 3.75% |
| TONI E STEED LLC3 Filed as: TONI E. STEED, LLC | 11218 WARFIELD AVENUE HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $557 | $22 | $579 | 2.74% |
| DAVID UNDERWOOD3 | PO BOX 32694 CHARLOTTE, NC 28232 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $227 | $0 | $227 | 1.07% |
| DONNA N DWYER3 Filed as: DONNA N. DWYER | 1003 WALLBURG HIGH POINT ROAD HIGH POINT, NC 27265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $152 | $65 | $217 | 1.03% |
| PHIL COLEMAN3 Filed as: PHIL COLEMAN AND OTHER AGENTS | 18908 RIVERWIND LANE DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $189 | $3 | $192 | 0.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: UNHUI KIM BROWN | PO BOX 1722 DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $155 | $3 | $158 | 0.75% |
| FRANCES LYNN MCCARTER3 | 10331 LINKSLAND DRIVE HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 16.48% |
| ERIKA ROBERTS-POE3 Filed as: ERIKA D. DALTON | 2146 STONE PILE DRIVE SW CONCORD, NC 28025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 7.41% |
| DONNA N DWYER3 Filed as: DONNA N. DWYER | 1003 WALLBURG HIGH POINT ROAD HIGH POINT, NC 27265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $477 | $482 | $959 | 5.74% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: UNHUI KIM BROWN | PO BOX 1722 DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $400 | $8 | $408 | 2.44% |
| PHIL COLEMAN3 Filed as: PHIL COLEMAN AND OTHER AGENTS | 18908 RIVERWIND LANE DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $356 | $2 | $358 | 2.14% |
| WATTS HUCKABEE AND CO3 Filed as: A WATTS HUCKABEE & COMPANY, INC. | 323 OAKLAND AVENUE ROCK HILL, SC 29730 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $265 | $0 | $265 | 1.59% |
| TONI E STEED LLC3 Filed as: TONI E. STEED, LLC | 11218 WARFIELD AVENUE HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $220 | $9 | $229 | 1.37% |
| BURCHFIELD INSURANCE GROUP INC3 Filed as: BURCHFIELD INSURANCE GROUP, INC. | PO BOX 3414 CONCORD, NC 28025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $633 | $70 | $703 | 7.65% |
| ERIKA ROBERTS-POE3 Filed as: ERIKA D. DALTON | 2146 STONE PILE DRIVE SW CONCORD, NC 28025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $664 | $0 | $664 | 7.23% |
| FRANCES LYNN MCCARTER3 | 10331 LINKSLAND DRIVE HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $662 | $0 | $662 | 7.20% |
| DONNA N DWYER3 Filed as: DONNA N. DWYER | 1495 RYMCO DRIVE, SUITE 108 WINSTON SALEM, NC 27103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $197 | $177 | $374 | 4.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: UNHUI KIM BROWN | PO BOX 1722 DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $210 | $4 | $214 | 2.33% |
| PHIL COLEMAN3 Filed as: PHIL COLEMAN AND OTHER AGENTS | 18908 RIVERWIND LANE DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $86 | $1 | $87 | 0.95% |
| TONI E STEED LLC3 Filed as: TONI E. STEED, LLC | 11218 WARFIELD AVENUE HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | $3 | $71 | 0.77% |
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 | 694 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 696 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,009 | $2.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,009 | $2.4M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,009 | $2.4M |
| Life insurance(7 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 37 | $177K |
| Short-term disability(8 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 245 | $620K |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 245 | $444K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,009 | $2.4M |
| Other(8 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 245 | $620K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,009 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.