| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT M. MCLEAN3 Filed as: ROBERT MCLEAN | — | FIRST CAROLINA CARE | $35K | — | $35K | 4.12% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 303395946 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | $2K | $18K | 8.71% |
| HAROLD W WELLS & SONS INC3 Filed as: HAROLD W. WELLS & SONS, INC. | 1 NORTH THIRD STREET WILMINGTON, NC 28401 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | — | $12K | 5.54% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 303395946 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 2.72% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC | PO BOX 2291 DURHAM, NC 277022291 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 1.96% |
| SWIDPRO LLC3 Filed as: SWIDPRO, LLC | 2025 LONESOME DOVE DRIVE APT 102 FRANKLINTON, NC 27525 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $652 | $2K | 8.05% |
| HAROLD W WELLS & SONS INC3 Filed as: HAROLD W. WELLS & SONS INC. | 1 NORTH 3RD STREET WILMINGTON, NC 28402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 6.59% |
| GLENN ZIMMERMAN INC3 Filed as: GLENN ZIMMERMAN INC. | 1510 HIGH ROCK RD GIBSONVILLE, NC 27249 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | — | $74 | 0.25% |
| TODD GERALD GECEWICZ3 | 216 W. GANNON AVE ZEBULON, NC 27597 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.10% |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FIRST CAROLINA CARE | 111 | $846K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 197 | $211K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 197 | $211K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 197 | $211K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 197 | $211K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 197 | $211K |
| Prescription drug | FIRST CAROLINA CARE | 111 | $846K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 197 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.