| 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 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $70K | — | $70K | 14.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4819 EMPEROR BLVD. STE 200 DURHAM, NC 27703 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $23K | $2K | $25K | 10.81% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $47 | $47 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 4819 EMPEROR BLVD. STE 200 DURHAM, NC 27703 | AMERITAS LIFE INSURANCE CORP | $8K | — | $8K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD, FL 21 ROLLING MEADOWS, IL 60008 | AMERITAS LIFE INSURANCE CORP | — | $3K | $3K | 2.01% |
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 | 227 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 308 | $484K |
| Dental | AMERITAS LIFE INSURANCE CORP | 484 | $151K |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 308 | $484K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 224 | $228K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 224 | $228K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 224 | $228K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 308 | $484K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 224 | $228K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 484 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.