| 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 | $45K | — | $45K | 0.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $34K | — | $34K | 0.41% |
| HAROLD W WELLS & SONS INC3 Filed as: HAROLD W WELLS & SONS, INC. | 1 N 3RD ST WILMINGTON, NC 28401 | STARMOUNT LIFE INSURANCE COMPANY | $20K | — | $20K | 2.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | STARMOUNT LIFE INSURANCE COMPANY | $12K | — | $12K | 1.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | STARMOUNT LIFE INSURANCE COMPANY | — | $9K | $9K | 0.95% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | 4615 UNIVERSITY DR DURHAM, NC 27707 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $46K | $12K | $58K | 6.31% |
| HAROLD W WELLS & SONS INC3 Filed as: HAROLD W WELLS & SONS, INC. | 1 N 3RD ST WILMINGTON, NC 28401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $40K | — | $40K | 4.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | — | $24K | 2.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $9K | $9K | 0.95% |
| HAROLD W WELLS & SONS INC3 Filed as: HAROLD W WELLS & SONS, INC. | 1 N 3RD ST WILMINGTON, NC 28401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 9.39% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | 4615 UNIVERSITY DRIVE DURHAM, NC 27707 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $4K | $10K | 9.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 5.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $997 | $997 | 0.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | FOUR EVER LIFE INS CO. | $3K | — | $3K | 5.00% |
| HAROLD W WELLS & SONS INC3 Filed as: HAROLD W WELLS & SONS, INC. | ONE N THIRD ST WILMINGTON, NC 28401 | FOUR EVER LIFE INS CO. | $3K | — | $3K | 5.00% |
| HAROLD W WELLS & SONS INC3 Filed as: HAROLD W WELLS & SON INC | 1 N 3RD STREET WILMINGTON, NC 28401 | UNUM INSURANCE COMPANY | $6K | — | $6K | 13.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | UNUM INSURANCE COMPANY | $49 | — | $49 | 0.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | — | $6 | $6 | 0.01% |
| HAROLD W WELLS & SONS INC3 Filed as: HAROLD W WELLS & SONS, INC. | 1 N 3RD ST WILMINGTON, NC 28401 | UNUM INSURANCE COMPANY | $2K | — | $2K | 9.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | UNUM INSURANCE COMPANY | $1K | — | $1K | 5.74% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | 4615 UNIVERSITY DRIVE DURHAM, NC 27707 | UNUM INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | — | $158 | $158 | 0.72% |
| HAROLD W WELLS & SONS INC3 Filed as: HAROLD W. WELLS & SON, INC. | ONE N THIRD ST WILMINGTON, NC 28401 | FOUR EVER LIFE INS CO. | $508 | — | $508 | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | FOUR EVER LIFE INS CO. | $143 | — | $143 | 2.81% |
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 | 964 | 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) | 978 | 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 | 2,721 | $8.4M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 1,136 | $995K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 1,136 | $995K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,185 | $1.0M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,185 | $914K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,185 | $914K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 2,721 | $8.4M |
| Other(7 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,185 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,721 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.