| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $5K | $5K | 1.41% |
| THE CAPITAL GROUP ASSOCIATES INC.3 | PO BOX 70070 RICHMOND, VA 23255 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.31% |
| RICHARD A. STEWART3 | PO BOX 70070 RICHMOND, VA 23255 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.41% |
| STEPHEN J. WORGAN | 11330 VANSTORY DRIVE, SUITE 106 HUNTSVILLE, NC 28078 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $340 | $0 | $340 | 1.13% |
| DOUGLAS R. KILLIAN3 | 8513 FIELDSTREAM DRIVE STOKESDALE, NC 27357 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $134 | $0 | $134 | 0.45% |
| ROBERT M. SAUNDERS3 | 2840 NEIL DRIVE ROANOKE, VA 24019 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | $0 | $27 | 0.09% |
| PERFORMANCE BENEFITS GP INC3 Filed as: PERFORMANCE BENEFITS GROUP INC. | 4645 WATER OAK DRIVE CLOVER, SC 29710 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | $0 | $20 | 0.07% |
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 | 419 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 444 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 284 | $36K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 419 | $391K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 419 | $361K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 419 | $361K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 419 | $391K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 419 | — |
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.