| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBENCONCEPTS COMPANY3 | 15305 DALLAS PARKWAY, SUITE 800 ADDISON, TX 75001 | METROPOLITAN LIFE INSURANCE COMPANY | $52K | $0 | $52K | 9.93% |
| EBENCONCEPTS COMPANY3 | PO BOX 680 CLINTON, NC 28329 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $28K | $0 | $28K | 13.24% |
| USI INSURANCE SERVICES LLC3 | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | ACE AMERICAN INSURANCE COMPANY | $13K | $0 | $13K | 15.00% |
| ELECTRO MEDICAL SERVICES, INC.3 | PO BOX 680 CLINTON, NC 28329 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.97% |
| STEVEN PAUL WILLIAMS3 Filed as: STEVEN P. WILLIAMS | PO BOX 680 CLINTON, NC 28329 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.94% |
| BENEFITS COUNT INC3 Filed as: BENEFITS COUNT II, INC. | 1401 CHRISTMAS COURT RALEIGH, NC 27604 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $594 | $148 | $742 | 1.23% |
| JONATHAN PAUL WILLIAMS3 | PO BOX 680 CLINTON, NC 28329 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $593 | $0 | $593 | 0.99% |
| ARTHUR WAYNE JORDAN JR3 Filed as: ARTHUR WAYNE JORDAN, JR. | 514 OAKWOOD AVENUE RALEIGH, NC 27601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $452 | $54 | $506 | 0.84% |
| MAY WAY OF WAKE COUNTY INC3 Filed as: MAY WAY OF WAKE COUNTY INC & AGENTS | 124 CHATTERSON DRIVE RALEIGH, NC 27615 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $212 | $0 | $212 | 0.35% |
| BARRETT L PATTERSON3 Filed as: BARRETT L. PATTERSON | 1522 DELLWOOD DRIVE RALEIGH, NC 27607 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $153 | $0 | $153 | 0.25% |
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 | 775 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 780 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ACE AMERICAN INSURANCE COMPANY | 775 | $87K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,259 | $524K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,259 | $524K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 775 | $213K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 775 | $213K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 775 | $360K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,259 | — |
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.