| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACS BENEFIT SERVICES LLC3 Filed as: ACS BENEFIT SERVICES, LLC | 5660 UNIVERSITY PARKWAY, 5TH FLOOR WINSTON SALEM, NC 27105 | COMPANION LIFE COLUMBIA DBA ISII | $2K | — | $2K | 1.00% |
| ASSUREDPARTNERS3 Filed as: HAROLD WELLS & SONS | 1 NORTH 3RD STREET WILMINGTON, NC 28401 | AMERICAN UNITED LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| ASSUREDPARTNERS3 Filed as: HAROLD WELLS & SONS | 1 NORTH 3RD STREET WILMINGTON, NC 28401 | AMERICAN UNITED LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| ACS BENEFIT SERVICES LLC3 Filed as: ACS BENEFIT SERVICES, LLC | 5660 UNIVERSITY PARKWAY, 5TH FLOOR WINSTON SALEM, NC 27105 | AIG MEDICAL EXCESS | $3K | — | $3K | 10.04% |
| ASSUREDPARTNERS3 Filed as: HAROLD WELLS & SONS | 1 NORTH 3RD STREET WILMINGTON, NC 28401 | AMERICAN UNITED LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| ASSUREDPARTNERS3 Filed as: HAROLD WELLS & SONS | 1 NORTH 3RD STREET WILMINGTON, NC 28401 | AMERICAN UNITED LIFE INSURANCE COMPANY | $164 | — | $164 | 9.98% |
| ASSUREDPARTNERS3 Filed as: HAROLD WELLS & SONS | 1 NORTH 3RD STREET WILMINGTON, NC 28401 | AMERICAN UNITED LIFE INSURANCE COMPANY | $145 | — | $145 | 9.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ACS BENEFIT SERVICES, LLC EIN 26-0529453 NONE | Contract Administrator; Claims processing Service code 12 | 5660 UNIVERSITY PKWY, FIFTH FLOOR WINSTON-SALEM, NC 27105 | $68K |
| VOLTAIRE HEALTH DBA PAYER COMPASS EIN 46-2047081 NONE | Other services Service code 49 | 5800 GRANITE PKWY, STE 450 PLANO, TX 75024 | $36K |
| HAROLD W. WELLS & SONS, INC. EIN 56-0957752 NONE | Insurance brokerage commissions and fees Service code 53 | 1 NORTH 3RD STREET WILMINGTON, NC 28401 | $35K |
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 | 263 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | AMERICAN UNITED LIFE INSURANCE COMPANY | 263 | $18K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 249 | $50K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 248 | $41K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE COLUMBIA DBA ISII | 246 | $176K |
| Other(4 contracts, 2 carriers) | AIG MEDICAL EXCESS | 263 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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.