| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELECTRO MEDICAL SERVICES, INC.3 Filed as: ELECTRO MEDICAL SERVICES INC | PO BOX 680 CLINTON, NC 28329 | AMERITAS LIFE INSURANCE CORPORATION | $42K | $2K | $44K | 8.38% |
| EBENCONCEPTS COMPANY3 | PO BOX 680 CLINTON, NC 28239 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $27K | $0 | $27K | 13.31% |
| ELECTRO MEDICAL SERVICES, INC.3 Filed as: ELECTRO MEDICAL SVS INC | PO BOX 680 CLINTON, NC 28329 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 5.59% |
| STEVEN PAUL WILLIAMS3 Filed as: STEVEN P WILLIAMS | PO BOX 680 CLINTON, NC 28329 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 3.68% |
| JONATHAN PAUL WILLIAMS3 | PO BOX 680 CLINTON, NC 28329 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 3.36% |
| MJ INSURANCE3 Filed as: BENEFITS COUNT & VARIOUS AGENTS | 1401 CHRISTIMAS COURT RALEIGH, NC 27604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $533 | $2K | 3.01% |
| ARTHUR WAYNE JORDAN JR3 | 514 OAKWOOD AVENUE RALEIGH, NC 27601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $889 | $357 | $1K | 1.69% |
| ROBIN ROCHELLE WAGNER3 | 2696 PARK PLACE NORWALK, IA 50211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $793 | $171 | $964 | 1.31% |
| JENNIFER L HAVLOVICK3 | 4920 PLEASANT STREET WEST DES MOINES, IA 50266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $793 | $90 | $883 | 1.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 2502 ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | ACE AMERICAN INSURANCE COMPANY | $4K | $0 | $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 | 881 | 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) | 881 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ACE AMERICAN INSURANCE COMPANY | 788 | $25K |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 726 | $523K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 726 | $523K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 881 | $201K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 881 | $201K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 788 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 881 | — |
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.