| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAROLD W WELLS & SONS INC3 Filed as: HAROLD W WELLS & SON INC. | ONE NORTH THIRD STREET WILMINGTON, NC 28402 | OPTUM HEALTH | $42K | $63K | $105K | 52.69% |
| HAROLD W WELLS & SONS INC3 Filed as: HAROLD W WELLS & SON INC. | ONE NORTH THIRD STREET WILMINGTON, NC 28401 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 4.50% |
| HAROLD W WELLS & SONS INC3 Filed as: HAROLD W WELLS & SON INC. | ONE NORTH THIRD STREET WILMINGTON, NC 28401 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 3.55% |
| HAROLD W WELLS & SONS INC3 Filed as: HAROLD W WELLS & SON INC. | ONE NORTH THIRD STREET WILMINGTON, NC 28401 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 3.01% |
| HAROLD W WELLS & SONS INC3 Filed as: HAROLD W WELLS & SON INC. | ONE NORTH THIRD STREET WILMINGTON, NC 28401 | METROPOLITAN LIFE INSURANCE COMPANY | $330 | — | $330 | 0.36% |
| HAROLD W WELLS & SONS INC3 Filed as: HAROLD W WELLS & SON INC. | ONE NORTH THIRD STREET WILMINGTON, NC 28402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 11.66% |
| WHICKER PARTNERSHIPS INC3 Filed as: WHICKER PARTNERSHIPS INC. | 6775 DORAL DR. TOBACCOVILLE, NC 27050 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $423 | $2K | 4.65% |
| JOHN J SWIDERSKI3 | 3316 SINGLELEAF LANE RALEIGH, NC 27616 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $665 | $2K | 3.68% |
| TIMOTHY J SWIDERSKI3 | 3316 SINGLELEAF LANE RALEIGH, NC 27616 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $263 | $2K | 3.32% |
| BENEFITS COUNT INC3 Filed as: BENEFITS COUNT LI INC. | 248 RIVERWOOD DR. LEWISVILLE, NC 27023 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $131 | $84 | $215 | 0.42% |
| WORKSITE BENEFIT SERVICES3 | 6110 CREEK GLEN WAY APEX, NC 27502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $186 | — | $186 | 0.36% |
| JOHN MATTHEW MUMPOWER3 | 7211 WALKING HORSE COURT WILMINGTON, NC 28411 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | $11 | $99 | 0.19% |
| CEDORA B LEVINER3 | PO BOX 758 KANNAPOLIS, NC 28082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.05% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 116 SPINEL LN KNIGHTGALE, NC 27545 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $4 | $19 | 0.04% |
| JEAN A MARCHI3 | PO BOX 1677 MOUNT AIRY, NC 27030 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $1 | $9 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS INSURANCE | ONE THIRD STREET WILMINGTON, NC 28401 | IOA RE | — | — | $0 | — |
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 | 247 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 247 | $143K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 247 | $92K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 247 | $92K |
| Stop-loss / reinsurancereinsurance(3 contracts, 3 carriers) | OPTUM HEALTH | 177 | $215K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 247 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.