| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BANKERS INSURANCE LLC3 | 630 PETER JEFFERSON PARKWAY SUITE 300 CHARLOTTESVILLE, VA 22911 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $55K | — | $55K | 8.69% |
| HAROLD W WELLS & SONS INC3 Filed as: HAROLD W. WELLS & SONS, INC. | ONE NORTH THIRD STREET WILMINGTON, NC 28401 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 2.26% |
| BANKERS INSURANCE LLC3 | 630 PETER JEFFERSON PARKWAY SUITE 300 CHARLOTTESVILLE, VA 22911 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $41K | — | $41K | 18.86% |
| WORKPLACE SOLUTIONS, INC.3 Filed as: WORKPLACE SOLUTIONS INC | 120 GILLS CREEK PARKWAY COLUMBIA, SC 29209 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 5.80% |
| ASSUREDPARTNERS3 Filed as: HAROLD WELLS & SONS INC | ONE NORTH THIRD STREET WILMINGTON, NC 28401 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 2.60% |
| BEAU DAVID BOUDREAUX3 Filed as: BEAU D BOUDREAUX | 26 N TOMBEE LANE COLUMBIA, SC 29209 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $569 | — | $569 | 0.26% |
| CONSOLIDATED PLANNING HOLDINGS3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1 | — | $1 | 0.00% |
| ASSUREDPARTNERS3 Filed as: HAROLD WELLS & SONS, INC | PO BOX 2320 WILMINGTON, NC 28402 | COMMUNITY EYE CARE | $10K | — | $10K | 10.00% |
| ASSUREDPARTNERS3 Filed as: HAROLD WELLS & SONS, INC | PO BOX 2320 WILMINGTON, NC 28402 | AMERITAS LIFE INSURANCE CORP | — | $85 | $85 | 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 | 1,013 | 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) | 1,013 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 954 | $34K |
| Vision | COMMUNITY EYE CARE | 1,520 | $104K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,172 | $630K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,172 | $630K |
| Other(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,172 | $848K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,520 | — |
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.
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.