| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELECTRO MEDICAL SERVICES, INC.3 | PO BOX 680 CLINTON, NC 28329 | AMERITAS LIFE INSURANCE CORPORATION | $38K | $3K | $41K | 8.54% |
| EBEN CONCEPTS COMPANY3 | PO BOX 680 CLINTON, NC 28329 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 13.00% |
| STEVEN PAUL WILLIAMS3 Filed as: STEVEN P. WILLIAMS | PO BOX 680 CLINTON, NC 28329 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 4.76% |
| JONATHAN PAUL WILLIAMS3 | PO BOX 680 CLINTON, NC 28329 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $824 | — | $824 | 1.58% |
| ELECTRO MEDICAL SERVICES, INC.3 | PO BOX 680 CLINTON, NC 28329 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $533 | — | $533 | 1.02% |
| TONI E. STREED LLC AND OTHER AGENTS3 | 11218 WARFIELD AVENUE CHARLOTTE, NC 28232 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $300 | $12 | $312 | 0.60% |
| FRED RAAB3 | 2904 DUNHAVEN DRIVE GARNER, NC 27529 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $186 | — | $186 | 0.36% |
| JANIE M GREER3 Filed as: JANIE M. GREER | 124 CHATTERSON DRIVE RALEIGH, NC 27615 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $121 | $3 | $124 | 0.24% |
| BARRETT L PATTERSON3 Filed as: BARRETT L. PATTERSON | PO BOX 10641 RALEIGH, NC 27605 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $54 | $2 | $56 | 0.11% |
| WELLS FARGO INSURANCE SERVICES3 | PO BOX 97787 RALEIGH, NC 27624 | USABLE LIFE | $3K | — | $3K | 10.02% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP | PO BOX 2291 DURHAM, NC 27707 | USABLE LIFE | $1K | — | $1K | 3.75% |
| WELLS FARGO INSURANCE SERVICES3 | 2502 ROCKY POINT DRIVE, SUITE 400 TAMPA, FL 33607 | ACE AMERICAN INSURANCE COMPANY | $3K | — | $3K | 15.00% |
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 | 718 | 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) | 718 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ACE AMERICAN INSURANCE COMPANY | 718 | $22K |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 1,504 | $475K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 1,504 | $475K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 718 | $176K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 422 | $145K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 718 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,504 | — |
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.