| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $7K | $7K | 1.69% |
| THE CAPITOL GROUP ASSOCIATES3 Filed as: THE CAPITOL GROUP ASSOCIATES, INC. | PO BOX 70070 RICHMOND, VA 23255 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 7.57% |
| RICHARD A. STEWART3 Filed as: RICHARD STEWART | PO BOX 70070 RICHMOND, VA 23255 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.02% |
| STEPHEN J. WORGAN3 | 11330 VANSTORY DRIVE, SUITE 106 HUNTERSVILLE, NC 28078 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $793 | — | $793 | 1.76% |
| DOUGLAS R. KILLIAN3 | PO BOX 443 STOKESDALE, NC 27357 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $250 | — | $250 | 0.56% |
| PERFORMANCE BENEFITS GP INC3 Filed as: PERFORMANCE BENEFITS GROUP, INC. | 4645 WATER OAK DRIVE CLOVER, SC 29710 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $174 | — | $174 | 0.39% |
| EDWARD M. SCHWAB3 | 10187 CABIN COURT MECHANICSVILLE, VA 23116 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $33 | — | $33 | 0.07% |
| ROBERT M. SAUNDERS3 | 2840 NEIL DRIVE ROANOKE, VA 24019 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | — | $27 | 0.06% |
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 | 551 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 551 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 92 | $45K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 739 | $40K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 551 | $396K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 551 | $396K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 551 | $396K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 551 | $441K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 739 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.