| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $151K | $29K | $180K | 8.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $60K | $0 | $60K | 10.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $6K | $6K | 1.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 0.57% |
| TRICERION GROUP, LLC3 | 3650 MANSELL ROAD, SUITE 100 ALPHARETTA, GA 30022 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $795 | $0 | $795 | 0.14% |
| DWIGHT L PIERCE3 Filed as: DWIGHT L. PIERCE | 1200 EAST TAFT AVENUE, DIVISION 15 SAPULPA, OK 74066 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $342 | $0 | $342 | 0.06% |
| THE WORKSITE GROUP LLC3 Filed as: WORKSITE SERVICES, INC. | P O BOX 327 GARNER, NC 27529 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $187 | $0 | $187 | 0.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4064 COLONY ROAD, SUITE 450 CHARLOTTE, NC 28211 | COMMUNITY EYE CARE, LLC | $12K | — | $12K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $256 | $15K | $15K | 103.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $550 | $0 | $550 | 3.83% |
| DWIGHT L PIERCE3 Filed as: DWIGHT L. PIERCE | 1200 EAST TAFT AVENUE, DIVISION 15 SAPULPA, OK 74066 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $382 | $0 | $382 | 2.66% |
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 | 1,834 | 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) | 1,834 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | COMMUNITY EYE CARE, LLC | 2,936 | $246K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,834 | $2.7M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,834 | $2.2M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,834 | $2.2M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,834 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,936 | — |
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.