| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 4.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 13.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN MARSH & ROLAND INC | 440 SOUTH CHURCH STREET SUITE 500 CHARLOTTE, NC 28202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $712 | $712 | 2.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 9.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN MARSH & ROLAND INC | 440 SOUTH CHURCH STREET SUITE 500 CHARLOTTE, NC 28202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $580 | $580 | 2.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4819 EMPEROR BLVD DURHAM, NC 27703 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN MARSH & ROLAND INC | 440 SOUTH CHURCH STREET SUITE 500 CHARLOTTE, NC 28202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $360 | $360 | 2.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN MARSH & ROLAND INC | 440 SOUTH CHURCH STREET SUITE 500 CHARLOTTE, NC 28202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $357 | $357 | 2.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN MARSH & ROLAND INC | 440 SOUTH CHURCH STREET SUITE 500 CHARLOTTE, NC 28202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $79 | $79 | 1.64% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 310 | $95K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 310 | $95K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 104 | $35K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 21 | $14K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 104 | $29K |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 104 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 310 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.