| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELECTRO MEDICAL SERVICES, INC.3 | PO BOX 680 CLINTON, NC 28329 | AMERITAS LIFE INSURANCE CORPORATION | $43K | $0 | $43K | 8.00% |
| EBENCONCEPTS COMPANY3 | PO BOX 680 CLINTON, NC 28329 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $29K | $0 | $29K | 13.30% |
| ELECTRO MEDICAL SERVICES, INC.3 | PO BOX 680 CLINTON, NC 28329 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 6.01% |
| JONATHAN PAUL WILLIAMS3 | PO BOX 680 CLINTON, NC 28329 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 3.26% |
| STEVEN PAUL WILLIAMS3 Filed as: STEVEN P. WILLIAMS | PO BOX 680 CLINTON, NC 28329 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 3.03% |
| JENNIFER L HAVLOVICK3 Filed as: JENNIFER L. HAVLOVICK AND AGENTS | 4920 PLEASANT STREED WDM, IA 50266 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $371 | $2K | 2.80% |
| ARTHUR WAYNE JORDAN JR3 Filed as: ARTHUR WAYNE JORDAN, JR. | 514 OAKWOOD AVENUE RALEIGH, NC 27601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $394 | $1K | 1.93% |
| ROBIN ROCHELLE WAGNER3 | 2696 PARK PLACE NORWALK, IA 50211 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $878 | $98 | $976 | 1.28% |
| BENEFITS COUNT INC3 Filed as: BENEFITS COUNT , INC. | 1401 CHRISTIMAS COURT RALEIGH, NC 27604 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $579 | $148 | $727 | 0.95% |
| ELECTRO MEDICAL SERVICES, INC.3 | PO BOX 680 CLINTON, NC 28329 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 5.44% |
| JONATHAN PAUL WILLIAMS3 | PO BOX 680 CLINTON, NC 28329 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 2.59% |
| STEVEN PAUL WILLIAMS3 Filed as: STEVEN P. WILLIAMS | PO BOX 680 CLINTON, NC 28329 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 2.31% |
| ARTHUR WAYNE JORDAN JR3 Filed as: ARTHUR WAYNE JORDAN, JR. | 514 OAKWOOD AVENUE RALEIGH, NC 27601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $767 | $302 | $1K | 1.73% |
| BARRETT L. PATTERSON AND AGENTS3 | PO BOX 10641 RALEIGH, NC 27604 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $821 | $23 | $844 | 1.37% |
| BENEFITS COUNT INC3 Filed as: BENEFITS COUNT, INC. | 1401 CHRISTIMAS COURT RALEIGH, NC 27604 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $446 | $212 | $658 | 1.07% |
| ROBIN ROCHELLE WAGNER3 | 2969 PARK PLACE NORWALK, IA 50211 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $359 | $0 | $359 | 0.58% |
| USI INSURANCE SERVICES LLC3 | 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 | 776 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | 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 | 776 | $27K |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 1,584 | $534K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 1,584 | $534K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 864 | $216K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 864 | $216K |
| Other(4 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 864 | $381K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,584 | — |
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.