| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELECTRO MEDICAL SERVICES, INC.3 | PO BOX 680 CLINTON, NC 28329 | AMERITAS LIFE INSURANCE CORPORATION | $39K | $3K | $42K | 8.52% |
| EBENCONCEPTS COMPANY3 | PO BOX 680 CLINTON, NC 28329 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 13.00% |
| STEVEN PAUL WILLIAMS3 Filed as: STEVEN P. WILLIAMS | PO BOX 680 CLINTON, NC 28329 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 5.70% |
| JONATHAN PAUL WILLIAMS3 | PO BOX 680 CLINTON, NC 28329 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $691 | — | $691 | 1.39% |
| ELECTRO MEDICAL SERVICES, INC.3 | PO BOX 680 CLINTON, NC 28329 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $522 | — | $522 | 1.05% |
| MJ INSURANCE3 Filed as: ROBERT C. SPELL AND VARIOUS AGENTS | PO BOX 1159 CLINTON, NC 28328 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $245 | $1 | $246 | 0.49% |
| FRED RAAB3 | 2904 DUNHAVEN DRIVE GARNER, NC 27529 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $215 | — | $215 | 0.43% |
| JANIE M GREER3 Filed as: JANIE M. GREER | 124 CHATTERSON DRIVE RALEIGH, NC 27615 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $120 | — | $120 | 0.24% |
| BARRETT L PATTERSON3 Filed as: BARRETT L. PATTERSON | PO BOX 10641 RALEIGH, NC 27605 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $50 | $1 | $51 | 0.10% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $2K | — | $2K | 6.61% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELL FARGO INSURANCE | 8540 COLONNADE CENTER DRIVE RALEIGH, NC 27615 | USABLE LIFE | $2K | — | $2K | 6.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 97787 RALEIGH, NC 27624 | USABLE LIFE | $817 | — | $817 | 2.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 2502 ROCKY POINT DRIVE, SUITE 400 TAMPA, FL 33607 | ACE AMERICAN INSURANCE COMPANY | $4K | — | $4K | 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 | 788 | 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) | 788 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ACE AMERICAN INSURANCE COMPANY | 788 | $24K |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 1,300 | $491K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 1,300 | $491K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 766 | $197K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 457 | $161K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 788 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,300 | — |
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.