| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $8K | $24K | 14.79% |
| SHELLEY HARTSELL3 | 8735 WESTMORELAND LAKE DR CORNELIUS, NC 28031 | AFLAC | $6K | $691 | $7K | 11.22% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 400 GALLERIA PARKWAY SE, SUITE 300 ATLANTA, GA 30339 | AFLAC | $3K | — | $3K | 5.33% |
| EXSEPTIONAL SERVICES INC3 Filed as: EXSEPTIONAL SERVICES, INC. | 158 PRINTERS LANE NEW LONDON, NC 28127 | AFLAC | $2K | — | $2K | 3.55% |
| JOHNATHAN P. DUNN3 | 9112 ARBOR GLEN LANE CHARLOTTE, NC 28210 | AFLAC | $530 | $138 | $668 | 1.07% |
| NICHOLAS STILLS3 Filed as: NICHOLAS B. STILLS | 8801 GEORGE WYTHE CT CHARLOTTE, NC 28277 | AFLAC | $505 | $125 | $630 | 1.01% |
| ELIZABETH F HARKEY3 Filed as: ELIZABETH F. HARKEY | 501 N CHURCH STREET, SUITE 300 CHARLOTTE, NC 28202 | AFLAC | $531 | — | $531 | 0.85% |
| JENNIE WALKER STILLS3 | 501 CLEAR WOOD CT WAXHAW, NC 28173 | AFLAC | $238 | — | $238 | 0.38% |
| NICHOLAS STILLS3 Filed as: NICHOLAS B. STILLS | 501 CLEAR WOOD CT WAXHAW, NC 28173 | AFLAC | $91 | $14 | $105 | 0.17% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | VISION SERVICE PLAN | $1K | — | $1K | 5.75% |
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 | 138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 146 | $159K |
| Vision | VISION SERVICE PLAN | 85 | $18K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 146 | $159K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 146 | $159K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 146 | $222K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.