| 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 | $38K | $0 | $38K | 9.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 2.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $4K | $4K | 1.05% |
| NICHOLAS B. GAVALAS3 | 799 CREEKSIDE DRIVE MOUNT PLEASANT, SC 29464 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $501 | $0 | $501 | 0.24% |
| BERTRAND HUDNALL3 | 40 CALHOUN STREET, SUITE 310 CHARLESTON, SC 29401 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
| 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 | $2K | $0 | $2K | 3.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $817 | $0 | $817 | 1.25% |
| BENEFIT COUNT LI INC3 Filed as: BENEFIT COUNT 1 INC. | 1401 CHRISTMAS COURT RALEIGH, NC 27604 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $25 | $1K | 3.77% |
| SUE S. WARDEN3 | 340 BUCKINGHAM ROAD WINSTON-SALEM, NC 27104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $994 | $0 | $994 | 3.16% |
| JAMES J PHARES3 Filed as: JAMES J. PHARES | 2037 AZALEE LANE SUMMERVILLE, SC 29483 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $838 | $89 | $927 | 2.95% |
| ARTHUR WAYNE JORDAN JR3 Filed as: ARTHUR WAYNE JORDAN JR. | 514 OAKWOOD AVENUE RALEIGH, NC 27601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $339 | $40 | $379 | 1.21% |
| PAULE STANLEY JR. AND OTHER AGENTS3 | 5264 INTERNATIONAL BOULEVARD NORTH CHARLESTON, SC 29418 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $110 | $35 | $145 | 0.46% |
| J. SANPLEXICO AND ASSOCIATES INC.3 | PO BOX 727 BARNWELL, SC 29812 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $67 | $0 | $67 | 0.21% |
| BARRETT L PATTERSON3 Filed as: BARRETT L. PATTERSON | 1522 DELLWOOD DRIVE RALEIGH, NC 27607 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $64 | $2 | $66 | 0.21% |
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 | 325 | 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) | 325 | 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 | 325 | $618K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 325 | $409K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 325 | $505K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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.