| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAROLD W WELLS & SONS INC3 Filed as: HAROLD W WELLS & SON INC | 1 N 3RD ST WILMINGTON, NC 28401 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 9.15% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES LLC | ONEDIGITAL PREMIER SERVICES LLC ATLANTA, GA 30339 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 3.47% |
| IBSI HOLDINGS INC3 | IBSI HOLDINGS WINSTON-SALEM, NC 27114 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 1.10% |
| STANLEY, PAUL J3 | 5264 INTERNATIONAL BLVD NORTH CHARLESTON, SC 29418 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 5.00% |
| HAROLD W WELLS & SONS INC3 Filed as: HAROLD W WELLS & SONS, INC. | 1 N 3RD ST WILMINGTON, NC 28401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.09% |
| HAROLD W WELLS & SONS INC3 Filed as: HAROLD W WELLS & SONS, INC. | 1 N 3RD ST WILMINGTON, NC 28401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 15.19% |
| STANLEY, PAUL J3 | 5264 INTERNATIONAL BLVD NORTH CHARLESTON, SC 29418 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 5.00% |
| HAROLD W WELLS & SONS INC3 Filed as: HAROLD W WELLS & SONS, INC. | 1 N 3RD ST WILMINGTON, NC 28401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 15.43% |
| STANLEY, PAUL J3 | 5264 INTERNATIONAL BLVD NORTH CHARLESTON, SC 29418 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.00% |
| SAGS JOINT VENTURE3 | 5264 INTERNATIONAL BLVD STE 200B NORTH CHARLESTON, SC 29418 | UNUM INSURANCE COMPANY | $13K | — | $13K | 36.64% |
| HAROLD W WELLS & SONS INC3 Filed as: HAROLD W WELLS & SONS, INC. | 1 N 3RD ST WILMINGTON, NC 28401 | UNUM INSURANCE COMPANY | $2K | — | $2K | 6.89% |
| HAROLD W WELLS & SONS INC3 | 1 N 3RD ST WILMINGTON, NC 28401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.70% |
| HAROLD W WELLS & SONS INC3 | 1 N 3RD ST WILMINGTON, NC 28401 | STARMOUNT LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| STANLEY, PAUL J3 | 5264 INTERNATIONAL BLVD NORTH CHARLESTON, SC 29418 | STARMOUNT LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| SAGS JOINT VENTURE3 | 5264 INTERNATIONAL BLVD STE 200B NORTH CHARLESTON, SC 29418 | UNUM INSURANCE COMPANY | $6K | — | $6K | 36.66% |
| HAROLD W WELLS & SONS INC3 Filed as: HAROLD W WELLS & SONS, INC. | 1 N 3RD ST WILMINGTON, NC 28401 | UNUM INSURANCE COMPANY | $1K | — | $1K | 6.89% |
| SAGS JOINT VENTURE3 | 5264 INTERNATIONAL BLVD STE 200B NORTH CHARLESTON, SC 29418 | UNUM INSURANCE COMPANY | $5K | — | $5K | 39.01% |
| HAROLD W WELLS & SONS INC3 Filed as: HAROLD W WELLS & SONS, INC. | 1 N 3RD ST WILMINGTON, NC 28401 | UNUM INSURANCE COMPANY | $946 | — | $946 | 6.94% |
| HAROLD W WELLS & SONS INC3 | 1 N 3RD ST WILMINGTON, NC 28401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $557 | — | $557 | 10.71% |
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 | 291 | 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) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 291 | $182K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 236 | $28K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 423 | $236K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $105K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 423 | $159K |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 423 | $275K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 423 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.