| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SVCS USA, INC | 6100 FAIRVIEW ROAD, SUITE 1400 P.O. BOX 220748 CHARLOTTE, NC 282220748 | AMERITAS LIFE INSURANCE CORP. | $25K | — | $25K | 8.00% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SVCS USA, INC | 5200 N PALM AVE SUITE 114 FRESNO, CA 937042225 | AMERITAS LIFE INSURANCE CORP. | — | $5K | $5K | 1.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | P.O. BOX 203491 DALLAS, TX 753203516 | ALLSTATE INSURANCE COMPANY | $23K | — | $23K | 27.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SRVCS USA, INC. | P.O. BOX 203312 DALLAS, TX 753203312 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $2K | $14K | 17.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SRVCS USA, INC. | P.O. BOX 203312 DALLAS, TX 753203312 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $2K | $13K | 17.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SRVCS USA, INC. | P.O. BOX 203312 DALLAS, TX 753203312 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $2K | $12K | 17.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SRVCS USA, INC. | P.O. BOX 203312 DALLAS, TX 753203312 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $2K | $11K | 17.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVC USA INC. | 400 HWY 169 S, 8TH FLOOR ST LOUIS PARK, MN 55426 | USABLE LIFE | $3K | — | $3K | 10.00% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP | P.O. BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $2K | — | $2K | 5.00% |
| AFFINITI INC3 Filed as: AFFINITI, INC. | 6813 LINDA LAKE DR CHARLOTTE, NC 28215 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $280 | — | $280 | 3.79% |
| CAROLINA BENEFITS SOURCE INC3 Filed as: CAROLINA BENEFITS SOURCE, INC. | 4461 NE 30TH AVE LIGHTHOUSE PT, FL 33064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $112 | — | $112 | 1.52% |
| FRANCES LYNN MCCARTER3 | 10331 LINKSLAND DRIVE HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 0.62% |
| LINDA P COLEMAN3 Filed as: LINDA P. COLEMAN | 18908 RIVER WIND LANE DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 0.62% |
| TONI E STEED LLC3 | 11218 WARFIELD AVE HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.58% |
| PHIL COLEMAN3 | 18908 RIVERWIND LN DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.19% |
| PETER MICHAEL FOLEY JR3 Filed as: PETER MICHAEL FOLEY JR. | 150 PAMPLICO LANE MOORESVILLE, NC 28117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.18% |
| INSYNC BENEFITS INC3 Filed as: INSYNC BENEFITS INC. | P.O. BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.09% |
| AFFINITI INC3 | 6813 LINDA LAKE DRIVE CHARLOTTE, NC 28215 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 1.05% |
| FRANCES LYNN MCCARTER3 | 10331 LINKSLAND DR HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.63% |
| LINDA P COLEMAN3 Filed as: LINDA P. COLEMAN | 18908 RIVER WIND LANE DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.63% |
| CAROLINA BENEFITS SOURCE INC3 | 4461 NE 30TH AVE LIGHTHOUSE PT, FL 33064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.42% |
| TONI E STEED LLC3 Filed as: TONI E STEED, LLC | 11218 WARFIELD AVE. HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.42% |
| PHIL COLEMAN3 | P.O. BOX 700 DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.21% |
| INSYNC BENEFITS INC3 Filed as: INSYNC BENEFITS, INC. | P.O. BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.21% |
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 | 459 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 465 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLSTATE INSURANCE COMPANY | 244 | $84K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 439 | $314K |
| Life insurance(5 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 463 | $182K |
| Short-term disability(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 410 | $71K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 411 | $80K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 463 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 463 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.