| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAROLD W WELLS & SONS INC3 Filed as: HAROLD W. WELLS, IV | PO BOX 2320 WILMINGTON, NC 28401 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $57K | $0 | $57K | 0.78% |
| HAROLD W WELLS & SONS INC3 Filed as: HAROLD W WELLS & SON INC | 1 N 3RD ST WILMINGTON, NC 284014528 | PRINCIPAL LIFE INSURANCE COMPANY | $113K | — | $113K | 5.80% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | PO BOX 2291 DURHAM, NC 277022291 | PRINCIPAL LIFE INSURANCE COMPANY | — | $89K | $89K | 4.57% |
| HAROLD W WELLS & SONS INC3 | ONE N THIRD ST WILMINGTON, NC 28401 | FOUR EVER LIFE INS CO | $9K | — | $9K | 10.00% |
| HAROLD W WELLS & SONS INC3 Filed as: HAROLD W. WELLS & SON, INC. | ONE N THIRD ST WILMINGTON, NC 28401 | FOUR EVER LIFE INS CO | $292 | — | $292 | 9.99% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD OF NC | PO BOX 2291 DURHAM, NC 27702 | FOUR EVER LIFE INS CO | — | $117 | $117 | 4.00% |
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 | 1,084 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,098 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 2,459 | $7.4M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 2,520 | $2.0M |
| Vision(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 2,520 | $2.0M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 2,520 | $2.0M |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 2,520 | $2.0M |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 2,520 | $2.0M |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 2,459 | $7.3M |
| Other(4 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 2,520 | $9.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,520 | — |
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."
No prospect flags tripped on this filing.