| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: HAROLD WELLS & SONS | PO BOX 2320 WILMINGTON, NC 28402 | AMERICAN UNITED LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| ASSUREDPARTNERS3 Filed as: HAROLD WELLS & SONS | PO BOX 2320 WILMINGTON, NC 28402 | AMERICAN UNITED LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| ASSUREDPARTNERS3 Filed as: HAROLD WELLS & SONS | PO BOX 2320 WILMINGTON, NC 28402 | AMERICAN UNITED LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| ASSUREDPARTNERS3 Filed as: HAROLD WELLS & SONS | PO BOX 2320 WILMINGTON, NC 28402 | AMERICAN UNITED LIFE INSURANCE COMPANY | $168 | — | $168 | 9.98% |
| ASSUREDPARTNERS3 Filed as: HAROLD WELLS & SONS | PO BOX 2320 WILMINGTON, NC 28402 | AMERICAN UNITED LIFE INSURANCE COMPANY | $139 | — | $139 | 10.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ACS BENEFIT SERVICES, LLC EIN 26-0529453 NONE | Claims processing; Contract Administrator Service code 12 | 5660 UNIVERSITY PKWY, FIFTH FLOOR WINSTON-SALEM, NC 27106 | $64K |
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 | 239 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | AMERICAN UNITED LIFE INSURANCE COMPANY | 239 | $17K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 233 | $47K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 232 | $39K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE COLUMBIA | 239 | $160K |
| Other(4 contracts, 2 carriers) | NATIONAL UNION LIFE INSURANCE CO. OF PITTSBURGH, PA | 239 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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."
No prospect flags tripped on this filing.