| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC. Filed as: WELLS INSURANCE | — | GERBER LIFE INSURANCE CO | $45K | $72K | $116K | 58.18% |
| HAROLD W WELLS & SONS INC Filed as: HAROLD W WELLS & SON INC. | ONE NORTH THIRD STREET WILMINGTON, NC 28401 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $22K | — | $22K | 25.84% |
| HAROLD W WELLS & SONS INC Filed as: HAROLD W WELLS & SON INC. | 1 NORTH 3RD STREET WILMINGTON, NC 28402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 8.74% |
| WHICKER PARTNERSHIPS INC Filed as: WHICKER PARTNERSHIPS INC. | 6775 DORAL DR. TOBACCOVILLE, NC 27050 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $319 | $2K | 3.55% |
| TIMOTHY J SWIDERSKI | 3316 SINGLELEAF LANE RALEIGH, NC 27616 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $187 | $1K | 2.70% |
| JOHN J SWIDERSKI | 3316 SINGLELEAF LANE RALEIGH, NC 27616 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $991 | $219 | $1K | 2.23% |
| TODD GERALD GECEWICZ | 1214 WHITMAN DR CREEDMOOR, NC 27522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $123 | — | $123 | 0.23% |
| BENEFITS COUNT INC Filed as: BENEFITS COUNT LI INC. | 1401 CHRISTIMAS COURT RALEIGH, NC 27604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | $20 | $64 | 0.12% |
| WORKSITE BENEFIT SERVICES3 | 4317 NEW BRIGHTON DR. APEX, NC 27539 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | — | $64 | 0.12% |
| CHARLIE J WHICKER | 6775 DORAL DR. TOBACCOVILLE, NC 27050 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | — | $59 | 0.11% |
| DAVID MASON DOKELL | 127 GREAT POINT DR MOORESVILLE, NC 28117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | $6 | $52 | 0.10% |
| DONNA N DWYER | 1540 WESTBROOK PLAZA DR WINSTON SALEM, NC 27103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $17 | $41 | 0.08% |
| CEDORA B LEVINER | PO BOX 758 KANNAPOLIS, NC 28082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.03% |
| JOHN MATTHEW MUMPOWER | 7211 WALKING HORSE COURT WILMINGTON, NC 28411 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
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 | 182 | 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) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 208 | $138K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 208 | $84K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 208 | $84K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE CO | 182 | $200K |
| Other(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 208 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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."
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.