| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELECTRO MEDICAL SERVICES, INC.3 | PO BOX 680 CLINTON, NC 28329 | AMERITAS LIFE INSURANCE CORPORATION | $28K | $0 | $28K | 5.89% |
| EBENCONCEPTS COMPANY3 | 5050 SPRING VALLEY ROAD DALLAS, TX 75244 | AMERITAS LIFE INSURANCE CORPORATION | $10K | $0 | $10K | 2.11% |
| EBENCONCEPTS COMPANY3 | PO BOX 680 CLINTON, NC 28329 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $28K | $0 | $28K | 13.29% |
| ELECTRO MEDICAL SERVICES, INC.3 | PO BOX 680 CLINTON, NC 28329 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 5.03% |
| JONATHAN PAUL WILLIAMS3 | PO BOX 680 CLINTON, NC 28329 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 4.09% |
| STEVEN PAUL WILLIAMS3 Filed as: STEVEN P. WILLIAMS | PO BOX 680 CLINTON, NC 28329 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 2.07% |
| ARTHUR WAYNE JORDAN JR3 Filed as: ARTHUR WAYNE JORDAN, JR. | 514 OAKWOOD AVENUE RALEIGH, NC 27601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $352 | $1K | 1.50% |
| ROBIN ROCHELLE WAGNER3 Filed as: ROBIN R. WAGNER AND OTHER AGENTS | 2696 PARK PLACE NORWALK, IA 50211 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $873 | $21 | $894 | 0.93% |
| BENEFITS COUNT INC3 Filed as: BENEFITS COUNT, INC. | 1401 CHRISTIMAS COURT RALEIGH, NC 27604 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $635 | $179 | $814 | 0.85% |
| BARRETT L PATTERSON3 Filed as: BARRETT L. PATTERSON | 1522 DELLWOOD DRIVE RALEIGH, NC 27607 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $408 | $40 | $448 | 0.47% |
| 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 | 813 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 821 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ACE AMERICAN INSURANCE COMPANY | 813 | $27K |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 1,524 | $468K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 1,524 | $468K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 813 | $211K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 813 | $211K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 813 | $334K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,524 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.