| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28K | $0 | $28K | 8.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 2.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 0.98% |
| D.L. DAVIS & COMPANY INC.3 Filed as: D. L. DAVIS AND COMPANY, INC. | 1315 SOUTH MAIN STREET WINSTON SALEM, NC 27127 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 3.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $817 | $0 | $817 | 1.16% |
| BERTRAND HUDNALL3 Filed as: BERTRAND HUDNALL III | 40 CALHOUN STREET, SUITE 310 CHARLESTON, SC 29401 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| NICHOLAS B. GAVALAS3 | 799 CREEKSIDE DRIVE MOUNT PLEASANT, SC 29464 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| ADV BENEFIT SYS INC & OTHER AGENTS3 Filed as: ADV. BEN. SYS., AND OTHER AGENTS | 245 SEVEN FARMS DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $1K | $9K | 33.59% |
| JAMES J PHARES3 Filed as: JAMES J. PHARES | 2037 AZALEE LANE SUMMERVILLE, SC 29483 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $646 | $3K | 11.04% |
| SUE S. WARDEN3 | 1111 SOUTH MARSHALL STREET WINSTON-SALEM, NC 27101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 7.81% |
| BENEFITS COUNT INC3 Filed as: BENEFITS COUNT, INC. | 1401 RIVERWOOD DRIVE LEWISVILLE, NC 27023 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $56 | $2K | 7.39% |
| ARTHUR WAYNE JORDAN JR3 Filed as: ARTHUR WAYNE JORDAN, JR. | 514 OAKWOOD AVENUE RALEIGH, NC 27601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $628 | $234 | $862 | 3.37% |
| BENEFITS COUNT INC3 Filed as: BENEFITS COUNT, INC. | 1401 CHRISTIMAS COURT RALEIGHT, NC 27604 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $337 | $76 | $413 | 1.61% |
| PAUL STANLEY JR3 Filed as: PAUL STANLEY, JR. | 880 JOHNNY DODD BOULEVARD MOUNT PLEASANT, SC 29464 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $151 | $174 | $325 | 1.27% |
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 | 332 | 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) | 332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 332 | $359K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 332 | $321K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 332 | $417K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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.