| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAROLD W WELLS & SONS INC3 Filed as: HAROLD W. WELLS & SONS | PO BOX 2320 WILMINGTON, NC 28402 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $37K | — | $37K | 4.06% |
| HAROLD W WELLS & SONS INC3 Filed as: HAROLD W. WELLS & SONS | PO BOX 2320 WILMINGTON, NC 28402 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $70 | $6K | 8.05% |
| HAROLD W WELLS & SONS INC3 Filed as: HAROLD W. WELLS & SONS | PO BOX 2320 WILMINGTON, NC 28402 | USABLE LIFE | $4K | — | $4K | 11.92% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $3K | — | $3K | 9.04% |
| HAROLD W WELLS & SONS INC3 Filed as: HAROLD W. WELLS & SONS | PO BOX 2320 WILMINGTON, NC 28402 | COMMUNITY EYE CARE | $640 | — | $640 | 11.99% |
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 | 190 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 157 | $908K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 234 | $74K |
| Vision | COMMUNITY EYE CARE | 111 | $5K |
| Life insurance | USABLE LIFE | 120 | $36K |
| Long-term disability | USABLE LIFE | 120 | $36K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 157 | $908K |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 157 | $945K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.