| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $9K | $3K | $12K | 5.14% |
| 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 | $13K | $3 | $13K | 19.89% |
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATES | 1616 E MILLBROOK RD STE 250 RALEIGH, NC 27609 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $548 | — | $548 | 4.13% |
| 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 | $294 | $1K | 12.10% |
| 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 | — | $322 | $322 | 2.96% |
| JRW ASSOCIATES INC3 | 1616 E MILLBROOK RD STE 250 RALEIGH, NC 27609 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $165 | — | $165 | 1.52% |
| JRW ASSOCIATES INC3 | 1616 E MILLBROOK RD STE 250 RALEIGH, NC 27609 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $293 | — | $293 | 2.75% |
| 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 | $180 | $53 | $233 | 2.19% |
| 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 | — | $56 | $56 | 0.53% |
| 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 | $194 | $34 | $228 | 12.78% |
| 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 | — | $61 | $61 | 3.42% |
| JRW ASSOCIATES INC3 | 1616 E MILLBROOK RD STE 250 RALEIGH, NC 27609 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 1.46% |
| 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 | $108 | $100 | $208 | 13.49% |
| 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 | — | $69 | $69 | 4.47% |
| JRW ASSOCIATES INC3 | 1616 E MILLBROOK RD STE 250 RALEIGH, NC 27609 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 3.18% |
| 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 | $117 | $33 | $150 | 10.06% |
| JRW ASSOCIATES INC3 | 1616 E MILLBROOK RD STE 250 RALEIGH, NC 27609 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 2.41% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | — | $29 | $29 | 1.95% |
| JRW ASSOCIATES INC3 | 1616 E MILLBROOK RD STE 250 RALEIGH, NC 27609 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 3.80% |
| JRW ASSOCIATES INC3 | 1616 E MILLBROOK RD STE 250 RALEIGH, NC 27609 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 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 | $24 | $19 | $43 | 9.35% |
| JRW ASSOCIATES INC3 | 1616 E MILLBROOK RD STE 250 RALEIGH, NC 27609 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 3.48% |
| 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 | — | $16 | $16 | 3.48% |
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 | 487 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 17 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 508 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability(9 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 486 | $272K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 486 | $324K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 486 | — |
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.