| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 8 CADILLAC DRIVE, SUITE 200 BRENTWOOD, TN 37027 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $63 | $12K | 5.73% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY INC. | 1787 SENTRY PARKWAY WEST, SUITE 320 BUILDING 16 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $763 | $12K | 5.35% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND LLC | 725 RXR PLAZA UNIONDALE, NY 11556 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $9 | $9 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5205 MARYLAND WAY BRENTWOOD, TN 37027 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $17K | $0 | $17K | 11.58% |
| CHERRY BEKAERT BENEFITS CONSULTING3 Filed as: CHERRY BEKAERT | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 1.00% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $65 | $65 | 0.04% |
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 | 356 | 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) | 356 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 410 | $499K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 475 | $218K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 475 | $218K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 356 | $149K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 356 | $149K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 356 | $149K |
| Prescription drug(2 contracts) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 410 | $499K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 356 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 475 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.