| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE BENEFITS GROUP Filed as: CORPORATE BENEFITS SERVICES, INC. | PO BOX 11937 CHARLOTTE, NC 28220 | GERBER LIFE INSURANCE CO | — | $70K | $70K | 38.41% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: WELLS INSURANCE | 1 NORTH 3RD STREET WILMINGTON, NC 28402 | GERBER LIFE INSURANCE CO | $43K | — | $43K | 23.27% |
| HAROLD W WELLS & SONS INC Filed as: HAROLD W WELLS & SON INC. | ONE NORTH THIRD STREET WILMINGTON, NC 28401 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 13.58% |
| ASSUREX Filed as: ASSUREX AGENCY INC. | 175 S 3RD ST, STE 800 COLUMBUS, OH 43215 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 2.91% |
| HAROLD W WELLS & SONS INC Filed as: HAROLD W WELLS & SON INC. | 1 NORTH 3RD STREET WILMINGTON, NC 28402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 10.52% |
| TIMOTHY J SWIDERSKI | 3316 SINGLELEAF LANE RALEIGH, NC 27616 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $623 | $3K | 4.11% |
| WHICKER PARTNERSHIPS INC Filed as: WHICKER PARTNERSHIPS INC. | 6775 DORAL DR. TOBACCOVILLE, NC 27050 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $294 | $2K | 3.39% |
| JOHN J SWIDERSKI | 3316 SINGLELEAF LANE RALEIGH, NC 27616 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $545 | $2K | 2.93% |
| BENEFITS COUNT INC Filed as: BENEFITS COUNT LI INC. | 1401 CHRISTIMAS COURT RALEIGH, NC 27604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $154 | $113 | $267 | 0.39% |
| WORKSITE BENEFIT SERVICES3 | 4317 NEW BRIGHTON DR. APEX, NC 27539 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $215 | — | $215 | 0.31% |
| JOHN MATTHEW MUMPOWER | 7211 WALKING HORSE COURT WILMINGTON, NC 28411 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $161 | — | $161 | 0.24% |
| CHARLIE J WHICKER | 6775 DORAL DR. TOBACCOVILLE, NC 27050 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 0.06% |
| CEDORA B LEVINER | PO BOX 758 KANNAPOLIS, NC 28082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.03% |
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 | 288 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 288 | $158K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 288 | $89K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 288 | $89K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | GERBER LIFE INSURANCE CO | 179 | $183K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 288 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.