| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 8540 COLONNADE CENTER DRIVE SUITE 111 RALEIGH, NC 27615 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $96K | $96K | 1.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4819 EMPEROR BOULEVARD SUITE 200 DURHAN, NC 27703 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $12 | $12 | 0.00% |
| USI INSURANCE SERVICES LLC3 | 8540 COLONNADE CENTER DRIVE SUITE 111 RALEIGH, NC 27615 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $6K | $19K | 3.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4819 EMPEROR BOULEVARD SUITE 200 DURHAN, NC 27703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 0.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 WEST GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 0.28% |
| AMWINS5 Filed as: AM WINS | 50 WHITECAP DRIVE NORTH KINGSTON, RI 02852 | EXPRESS SCRIPTS, INC. | $18K | $0 | $18K | 4.73% |
| USI INSURANCE SERVICES LLC5 | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | EXPRESS SCRIPTS, INC. | $11K | $0 | $11K | 2.84% |
| AMWINS5 Filed as: AM WINS | 50 WHITECAP DRIVE NORTH KINGSTON, RI 02852 | UNITED AMERICAN INS CO MEDICARE SUPPLEMENT | $31K | $0 | $31K | 11.76% |
| USI INSURANCE SERVICES LLC5 | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | UNITED AMERICAN INS CO MEDICARE SUPPLEMENT | $15K | $0 | $15K | 5.88% |
| AMWINS5 Filed as: AM WINS | 50 WHITECAP DRIVE NORTH KINGSTON, RI 02852 | AMERITAS LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.16% |
| USI INSURANCE SERVICES LLC5 | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | AMERITAS LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4819 EMPEROR BOULEVARD SUITE 200 DURHAN, NC 27703 | EYEMED | $2K | $0 | $2K | 4.58% |
| USI INSURANCE SERVICES LLC3 | 8540 COLONNADE CENTER DRIVE SUITE 111 RALEIGH, NC 27615 | FEDERAL INSURANCE COMPANY | $225 | $0 | $225 | 15.00% |
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 | 743 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 186 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 929 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 734 | $5.3M |
| Dental | AMERITAS LIFE INSURANCE COMPANY | 129 | $92K |
| Vision | EYEMED | 643 | $39K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 573 | $567K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 573 | $567K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 573 | $567K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 734 | $5.4M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 743 | $568K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 743 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.