| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE BENEFIT ADVISORS Filed as: CORPORATE BENEFIT SERVICES | PO BOX 11937 CHARLOTTE, NC 28220 | EXCESS RE | — | $80K | $80K | 32.68% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: WELLS INSURANCE | 1 N. THIRD ST WILMINGTON, NC 28401 | EXCESS RE | $50K | — | $50K | 20.45% |
| HAROLD W WELLS & SONS INC3 Filed as: HAROLD W WELLS & SON | DBA WELLS INSURANCE 1 N 3RD ST WILMINGTON, NC 28401 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $33K | — | $33K | 18.03% |
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK STE 200 899 CASSATT RD BERWYN, PA 19312 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 3.99% |
| COMPSYCH5 | — | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.93% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $48 | $48 | 0.03% |
| CORPORATE SYNERGIES GROUP LLC Filed as: CORPORATE BENEFITS SERVICE, INC. | 9101 SOUTHERN PINE BLVD, SUITE 300 ONE PINEBROOK PLAZA CHARLOTTE, NC 28273 | HCC LIFE INS. CO. | — | — | $0 | 0.00% |
| HAROLD W WELLS & SONS INC Filed as: HAROLD W. WELLS & SON, INC. | PO BOX 2320 WILMINGTON, NC 28402 | COMMUNITY EYE CARE | $3K | — | $3K | 12.00% |
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 | 201 | 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) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | COMMUNITY EYE CARE | 220 | $24K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 255 | $183K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 255 | $183K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 255 | $183K |
| Stop-loss / reinsurancereinsurance | EXCESS RE | 201 | $244K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 255 | $260K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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.