| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HCW EMPLOYEE BENEFIT SERVICES, LLC3 Filed as: HCW EMPLOYEE BENEFIT SERVICES LLC | 4819 EMPEROR BOULEVARD SUITE 200 DURHAM, NC 27703 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $32K | $32K | 2.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT | 4819 EMPEROR BOULEVARD SUITE 200 DURHAM, NC 27703 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $9K | $9K | 0.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4819 EMPEROR BOULEVARD SUITE 200 DURHAM, NC 27703 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $22K | $22K | 2.40% |
| HCW EMPLOYEE BENEFIT SERVICES, LLC3 Filed as: HCW EMPLOYEE BENEFIT SERVICES LLC | 4819 EMPEROR BOULEVARD SUITE 200 DURHAM, NC 27703 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $12 | $12 | 0.00% |
| HCW EMPLOYEE BENEFIT SERVICES, LLC3 Filed as: HCW EMPLOYEE BENEFIT SERVICES LLC | 4319 EMPEROR BOULEVARD SUITE 200 DURHAM, NC 27703 | DELTA DENTAL OF NORTH CAROLINA | $10K | — | $10K | 4.52% |
| HCW EMPLOYEE BENEFIT SERVICES, LLC3 Filed as: HCW EMPLOYEE BENEFIT SERVICES LLC | 4819 EMPEROR BOULEVARD SUITE 200 DURHAM, NC 27703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $13K | $25K | 12.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT | 4819 EMPEROR BOULEVARD SUITE 200 DURHAM, NC 27703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | — | $15K | 6.89% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 3.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF ROAD FLOOR 4 ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF NORTH CAROLINA | $12K | — | $12K | 9.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT | 4819 EMPEROR BOULEVARD SUITE 200 DURHAM, NC 27703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 8.71% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT | 4819 EMPEROR BOULEVARD SUITE 200 DURHAM, NC 27703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.45% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT | 4819 EMPEROR BOULEVARD SUITE 200 DURHAM, NC 27703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 8.42% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD 5TH FLOOR ROLLING MEADOWS, IL 60008 | VISION SERVICE PLAN | $1K | — | $1K | 4.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT | 4819 EMPEROR BOULEVARD SUITE 200 DURHAM, NC 27703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $986 | — | $986 | 5.46% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $821 | — | $821 | 4.55% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 279 | $2.4M |
| Dental(2 contracts) | DELTA DENTAL OF NORTH CAROLINA | 569 | $343K |
| Vision | VISION SERVICE PLAN | 235 | $30K |
| Life insurance(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 325 | $266K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 325 | $247K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 298 | $243K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 325 | $266K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 569 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.