| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | $33K | $14K | $47K | 4.91% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 75 REMITTANCE DRIVE #1446 CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 0.37% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 0.15% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27K | — | $27K | 17.28% |
| JAMES R HILL JR3 Filed as: JAMES R HILL, JR. | 7021 MARSEILL COURT SUMMERFIELD, NC 27358 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.82% |
| WILLIAM L BAKER IV3 | 8405 KEMPTON ROAD RALEIGH, NC 27615 | CONTINENTAL AMERICAN INSURANCE COMPANY | $260 | — | $260 | 0.17% |
| ERIC MILLER3 | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $229 | — | $229 | 0.15% |
| BRANDON C ADAMS3 | 6402 BIRDALE DRIVE GREENSBORO, NC 27410 | CONTINENTAL AMERICAN INSURANCE COMPANY | $229 | — | $229 | 0.15% |
| LARRY A WESTON JR3 Filed as: LARRY A WESTON JR. | 209 BRISTOL COURT GREENVILLE, NC 27834 | CONTINENTAL AMERICAN INSURANCE COMPANY | $44 | — | $44 | 0.03% |
| SEAN R HILDRETH3 | 434 TUCKER ROAD GRIMESLAND, NC 27837 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | — | $35 | 0.02% |
| JILL R LAMBERT3 Filed as: JILL W DENTON | 3500 WESTGATE DRIVE #602 DURHAM, NC 27707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | — | $35 | 0.02% |
| GORDON K VANN3 | 2156 WESLEY LANE GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | — | $35 | 0.02% |
| LAUREN E SKINNER3 | 204 E ARLINGTON BOULEVARD SUITE C GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| GARY W GREENE3 | 204 E ARLINGTON BOULEVARD SUITE C GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 282905494 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $8K | — | $8K | 5.47% |
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 | 1,664 | 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) | 1,671 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 3,459 | $145K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,307 | $966K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 2,307 | $966K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,307 | $966K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,307 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,459 | — |
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.