| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | $37K | $17K | $53K | 4.76% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 3000 TOWN CENTER SUITE 3000 SOUTHFIELD, MI 48075 | HARTFORD LIFE AND ACCIDENT | $0 | $3K | $3K | 0.24% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22K | $0 | $22K | 13.32% |
| JAMES R HILL JR3 Filed as: JAMES R HILL, JR. | 7021 MARSEILLES COURT SUMMERFIEID, NC 27358 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.80% |
| ERIC MILLER3 | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $241 | $0 | $241 | 0.14% |
| BRANDON C ADAMS3 | 6402 BIRDALE DRIVE GREENSBORO, NC 27410 | CONTINENTAL AMERICAN INSURANCE COMPANY | $241 | $0 | $241 | 0.14% |
| SEAN R HILDRETH3 | 434 TUCKER ROAD GRIMELAND, NC 27837 | CONTINENTAL AMERICAN INSURANCE COMPANY | $58 | $0 | $58 | 0.03% |
| JILL R LAMBERT3 Filed as: JILL W DENTON | 3500 WESTGATE DRIVE #602 DURHAM, NC 27707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $58 | $0 | $58 | 0.03% |
| GORDON K VANN3 | 2156 WESLEY LANE GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $58 | $0 | $58 | 0.03% |
| LARRY A WESTON JR3 Filed as: LARRY A WESTON JR. | 209 BRISTOL COURT GREENVILLE, NC 27834 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50 | $0 | $50 | 0.03% |
| WILLIAM L BAKER IV3 | 8405 KEMPTON ROAD RALEIGH, NC 27615 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | $0 | $28 | 0.02% |
| LAUREN E SKINNER3 | 204 E ARLINGTON BOULEVARD SUITE C GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | $0 | $25 | 0.01% |
| GARY W GREENE3 | 204 E ARLINGTON BOULEVARD SUITE C GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | $0 | $5 | 0.00% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 282905494 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 6.57% |
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 | 1,535 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,542 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 3,302 | $140K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,168 | $1.1M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 2,168 | $1.1M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,168 | $1.1M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,168 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,302 | — |
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.