| 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 | — | $75K | $75K | 27.82% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: WELLS INSURANCE | 1 N. THIRD ST WILMINGTON, NC 28401 | EXCESS RE | $51K | — | $51K | 18.63% |
| HAROLD W WELLS & SONS INC Filed as: HAROLD W WELLS & SON INC. | 1 NORTH THIRD STREET WILMINGTON, NC 28401 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $23K | — | $23K | 26.08% |
| HAROLD W WELLS & SONS INC3 Filed as: HAROLD W WELLS & SON INC. | 1 NORTH 3RD STREET WILMINGTON, NC 28402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 10.64% |
| SWIDPRO LLC3 | 3316 SINGLELEAF LANE RALEIGH, NC 27616 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $4K | 5.72% |
| JANE S WHICKER3 | 215 ESSEX FRAM RD ADVANCE, NC 27006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.72% |
| KIMBERLY MICHELLE BENFIELD3 | 5 BAYSHORE DRIVE NEBO, NC 28761 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $304 | $203 | $507 | 0.78% |
| CHARLIE J WHICKER3 | 215 ESSEX FARM RD ADVANCE, NC 27006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $489 | — | $489 | 0.75% |
| TIMOTHY J SWIDERSKI3 | 3316 SINGLELEAF LANE RALEIGH, NC 27616 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $393 | $57 | $450 | 0.69% |
| JOHN J SWIDERSKI3 | 3316 SINGLELEAF LANE RALEIGH, NC 27616 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $358 | $41 | $399 | 0.61% |
| WHICKER PARTNERSHIPS INC3 Filed as: WHICKER PARTNERSHIPS INC. | 215 ESSEX FARM RD ADVANCE, NC 27006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $337 | — | $337 | 0.52% |
| TODD GERALD GECEWICZ3 | 216 W GANNON AVE ZEBULON, NC 27597 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $146 | — | $146 | 0.22% |
| THERESA FAULKNER3 | 742 SOUTHERN HIGH SCHOOL RD GRAHAM, NC 27253 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | — | $71 | 0.11% |
| SEAN R HILDRETH3 Filed as: SEAN HILDRETH | 434 TUCKER RD GRIMESLAND, NC 27837 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $13 | $26 | 0.04% |
| CEDORA B LEVINER3 | PO BOX 758 KANNAPOLIS, NC 28082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.02% |
| HAROLD W WELLS & SONS INC Filed as: HAROLD W. WELLS & SON, INC. | PO BOX 2320 WILMINGTON, NC 28402 | COMMUNITY EYE CARE | $2K | — | $2K | 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 | 203 | 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) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | COMMUNITY EYE CARE | 181 | $16K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 238 | $153K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 238 | $88K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 238 | $88K |
| Stop-loss / reinsurancereinsurance | EXCESS RE | 203 | $271K |
| Other(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 238 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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.