| 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 | $11K | — | $11K | 3.00% |
| 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 | 3.61% |
| VARIOUS - SEE ATTACHED3 | 8832 BLAKENEY PROFESSIONAL DR STE 200 CHARLOTTE, NC 28277 | AFLAC | $20K | $425 | $20K | 16.35% |
| 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 | $9K | — | $9K | 15.00% |
| 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 | $10K | — | $10K | 16.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | VISION SERVICE PLAN | $2K | — | $2K | 3.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD 5TH FLOOR ROLLING MEADOWS, IL 60008 | VISION SERVICE PLAN | $285 | — | $285 | 0.58% |
| VARIOUS - SEE ATTACHED3 | PO BOX 1588 PINEHURST, NC 28370 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 8.09% |
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 | 437 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 25 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 470 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 390 | $49K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 524 | $446K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 524 | $383K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 283 | $145K |
| Other(5 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 524 | $631K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 524 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.