| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1550 AVIATION PARKWAY SUITE 300 MORRISVILLE, NC 27703 | STARMOUNT LIFE INSURANCE COMPANY | $50K | $0 | $50K | 3.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 WEST GOLF ROAD ROLLING MEADOWS, IL 60008 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $25K | $25K | 1.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1550 AVIATION PARKWAY SUITE 300 MORRISVILLE, NC 27703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $92K | $0 | $92K | 7.03% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC. | 4613 UNIVERSITY DRIVE DURHAM, NC 27707 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $65K | $65K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 WEST GOLF ROAD ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $21K | $21K | 1.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1550 AVIATION PARKWAY SUITE 300 MORRISVILLE, NC 27703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | $0 | $25K | 15.00% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC. | 4613 UNIVERSITY DRIVE DURHAM, NC 27707 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $8K | $8K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 WEST GOLF ROAD ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 1.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4819 EMPEROR BOULEVARD SUITE 200 DURHAM, NC 27703 | FOUR EVER LIFE INS CO. | $10K | $0 | $10K | 10.00% |
| HAROLD W WELLS & SONS INC3 Filed as: HAROLD W. WELLS AND SON, INC. | 1 NORTH 3RD STREET WILMINGTON, NC 28401 | UNUM INSURANCE COMPANY | $7K | $137 | $7K | 7.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1550 AVIATION PARKWAY SUITE 300 MORRISVILLE, NC 27703 | UNUM INSURANCE COMPANY | $6K | $0 | $6K | 7.23% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC. | 4615 UNIVERSITY DRIVE DURHAM, NC 27707 | UNUM INSURANCE COMPANY | $4K | $0 | $4K | 5.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 WEST GOLF ROAD ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | $0 | $742 | $742 | 0.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1550 AVIATION PARKWAY SUITE 300 MORRISVILLE, NC 27703 | UNUM INSURANCE COMPANY | $11K | $0 | $11K | 15.00% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC. | 4615 UNIVERSITY DRIVE DURHAM, NC 27707 | UNUM INSURANCE COMPANY | $4K | $0 | $4K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 WEST GOLF ROAD ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | $0 | $924 | $924 | 1.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4819 EMPEROR BOULEVARD SUITE 200 DURHAM, NC 27703 | FOUR EVER LIFE INS CO. | $643 | $0 | $643 | 9.99% |
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 | 1,362 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,390 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 3,301 | $11.3M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 1,332 | $1.5M |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 1,332 | $1.5M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,364 | $1.5M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,364 | $1.3M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,364 | $1.3M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 3,301 | $11.2M |
| Other(7 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,364 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,301 | — |
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."
No prospect flags tripped on this filing.