| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HCW EMPLOYEE BENEFIT SERVICES, LLC3 Filed as: HCW EMPLOYEE BENEFITS SERVICES | 4819 EMPEROR BLVD SUITE 200 DURHAM, NC 27703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $3K | $12K | 4.86% |
| HCW EMPLOYEE BENEFIT SERVICES, LLC3 Filed as: HCW EMPLOYEE BENEFIT SERVICES | 4819 EMPEROR BLVD SUITE 200 DURHAM, NC 27703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $886 | $15K | 21.34% |
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATES | 1616 E MILLBROOK RD STE 250 RALEIGH, NC 27609 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $609 | — | $609 | 4.53% |
| JRW ASSOCIATES INC3 | 1616 E MILLBROOK RD STE 250 RALEIGH, NC 27609 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $344 | — | $344 | 2.74% |
| HCW EMPLOYEE BENEFIT SERVICES, LLC3 Filed as: HCW EMPLOYEE BENEFIT SERVICES LLC | 4819 EMPEROR BLVD SUITE 200 DURHAM, NC 27703 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $199 | $106 | $305 | 2.43% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY BLDG 2, STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | — | $127 | $127 | 1.01% |
| HCW EMPLOYEE BENEFIT SERVICES, LLC3 Filed as: HCW EMPLOYEE BENEFIT SERVICES LLC | 4819 EMPEROR BLVD SUITE 200 DURHAM, NC 27703 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $1K | $543 | $2K | 16.58% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 CAPITAL OF TEXAS HWY BLDG 2, STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | — | $646 | $646 | 6.90% |
| JRW ASSOCIATES INC3 | 1616 E MILLBROOK RD STE 250 RALEIGH, NC 27609 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $173 | — | $173 | 1.85% |
| HCW EMPLOYEE BENEFIT SERVICES, LLC3 Filed as: HCW EMPLOYEE BENEFIT SERVICES LLC | 4819 EMPEROR BLVD SUITE 200 DURHAM, NC 27703 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $316 | $201 | $517 | 23.10% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 CAPITAL OF TEXAS HWY BLDG 2, STE 125 AUXTIN, TX 78746 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | — | $202 | $202 | 9.03% |
| JRW ASSOCIATES INC3 | 1616 E MILLBROOK RD STE 250 RALEIGH, NC 27609 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 1.56% |
| JRW ASSOCIATES INC3 | 1616 E MILLBROOK RD STE 250 RALEIGH, NC 27609 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 3.76% |
| HCW EMPLOYEE BENEFIT SERVICES, LLC3 Filed as: HCW EMPLOYEE BENEFIT SERVICES LLC | 4819 EMPEROR BLVD SUITE 200 DURHAM, NC 27703 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $139 | $67 | $206 | 14.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 CAPITAL OF TEXAS HWY BLG 2, STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | — | $89 | $89 | 6.48% |
| JRW ASSOCIATES INC3 | 1616 E MILLBROOK RD SUITE 250 RALEIGH, NC 27609 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 2.62% |
| JRW ASSOCIATES INC | 1616 E MILLBROOK RD STE 250 RALEIGH, NC 27609 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 4.02% |
| HRW EMPLOYEE BENEFIT SERVICES LLC3 | 4819 EMPEROR BLVD SUITE 200 DURHAM, NC 27703 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $33 | $13 | $46 | 3.78% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 CAPITAL OF TEXAS HWY BLDG 2, STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | — | $21 | $21 | 1.72% |
| JRW ASSOCIATES INC3 | 1616 E MILLBROOK RD STE 250 RALEIGH, NC 27609 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 1.87% |
| JRW ASSOCIATES INC3 | 1616 E MILLBROOK RD STE 250 RALEIGH, NC 27609 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 4.41% |
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 | 454 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 463 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 474 | $253K |
| Long-term disability(9 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 474 | $282K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 474 | $337K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 474 | — |
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.