| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE BENEFITS SERVICE, INC. | — | EXCESS RE | — | $76K | $76K | 31.85% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: WELLS INSURANCE | — | EXCESS RE | $48K | — | $48K | 20.33% |
| HAROLD W WELLS & SONS INC Filed as: HAROLD W WELLS & SON INC. | ONE NORTH THIRD STREET WILMINGTON, NC 28401 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 15.05% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS Filed as: BOON-CHAPMAN | PO BOX 9201 AUSTIN, TX 78766 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 10.57% |
| 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 | 8.46% |
| JOHN J SWIDERSKI | 3316 SINGLELEAF LANE RALEIGH, NC 27616 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $478 | $2K | 2.68% |
| TIMOTHY J SWIDERSKI | 3316 SINGLELEAF LANE RALEIGH, NC 27616 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $175 | $1K | 2.38% |
| JANE S WHICKER | 215 ESSEX FRAM RD ADVANCE, NC 27006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.95% |
| WHICKER PARTNERSHIPS INC Filed as: WHICKER PARTNERSHIPS INC. | 6775 DORAL DR. TOBACCOVILLE, NC 27050 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $829 | $51 | $880 | 1.44% |
| TODD GERALD GECEWICZ | 1214 WHITMAN DR CREEDMOOR, NC 27522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $154 | — | $154 | 0.25% |
| DAVID MASON DOKELL | 127 GREAT POINT DR MOORESVILLE, NC 28117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.05% |
| DONNA N DWYER | 1540 WESTBROOK PLAZA DR WINSTON SALEM, NC 27103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $3 | $14 | 0.02% |
| CEDORA B LEVINER | PO BOX 758 KANNAPOLIS, NC 28082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.02% |
| HAROLD W WELLS & SONS INC Filed as: HAROLD W. WELLS & SON, INC. | PO BOX 2320 WILMINGTON, NC 28402 | COMMUNITY EYE CARE | $1K | — | $1K | 6.00% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: WELLS INSURANCE | — | GERBER LIFE INSURANCE CO | — | — | $0 | 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 | 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 | 157 | $20K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 276 | $147K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 276 | $86K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 276 | $86K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | EXCESS RE | 201 | $239K |
| Other(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 276 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 276 | — |
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.