| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVIS, WILLIAMS AND ASSOCIATES, INC3 Filed as: DAVIS, WILLIAMS AND ASSOCIATES | 8832 BLAKENEY PROFESSIONAL DR CHARLOTTE, NC 28277 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 2.89% |
| VARIOUS - SEE ATTACHED3 | 8832 BLAKENEY PROFESSIONAL DR STE 200 CHARLOTTE, NC 28277 | AFLAC | $22K | $1K | $23K | 17.12% |
| DAVIS, WILLIAMS AND ASSOCIATES, INC3 Filed as: DAVIS, WILLIAMS AND ASSOCIATES | 8832 BLAKENEY PROFESSIONAL DR STE 200 CHARLOTTE, NC 28277 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 3.91% |
| DAVIS, WILLIAMS AND ASSOCIATES, INC3 Filed as: DAVIS, WILLIAMS & ASSOCIATES | 8832 BLAKENEY PROFESSIONAL DR STE 200 CHARLOTTE, NC 28277 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 14.05% |
| DAVIS, WILLIAMS AND ASSOCIATES, INC3 Filed as: DAVIS WILLIAMS & ASSOC INC | 8832 BLACKENEY PROFESSIONAL DRIVE SUITE 200 CHARLOTTE, NC 28277 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| HCW EMPLOYEE BENEFIT SERVICES, LLC3 | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | VISION SERVICE PLAN | $2K | — | $2K | 3.79% |
| VARIOUS - SEE ATTACHED3 | 2401 FRASERBURGH DR MATTHEWS, NC 28105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $5 | $2K | 8.84% |
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 | 438 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 31 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 476 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 378 | $48K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 495 | $421K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 495 | $367K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 286 | $132K |
| Other(5 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 495 | $623K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 495 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.