| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4064 COLONY ROAD, SUITE 450 CHARLOTTE, NC 28211 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $183K | — | $183K | 2.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $81K | — | $81K | 14.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 1.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 4TH FLOOR ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF NORTH CAROLINA | $54K | — | $54K | 13.99% |
| MJ INSURANCE3 Filed as: DIANNE RAY AND VARIOUS AGENTS | PO BOX 335 SUNNY SIDE, GA 30284 | AFLAC | $9K | $370 | $9K | 8.69% |
| AMY F KLUTTZ3 Filed as: AMY F KLUTZ | 2581 ESSEX DRIVE CONCORD, NC 28025 | AFLAC | $3K | $71 | $3K | 2.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4064 COLONY ROAD, SUITE 450 CHARLOTTE, NC 28211 | AFLAC | $2K | — | $2K | 1.97% |
| THE PROFECTUS GROUP LLC3 Filed as: THE PROFECTUS GROUP, LLC | PO BOX 80792 LAS VEGAS, NV 89180 | AFLAC | $1K | $16 | $1K | 1.20% |
| KELI RICHMOND3 | 230 BART GREEN DRIVE JOHNSON CITY, TN 37615 | AFLAC | $1K | $47 | $1K | 1.12% |
| MARK C. HUBER3 Filed as: MARK HUBER | 480 SAN GABRIEL DRIVE SONOMA, CA 95476 | AFLAC | $753 | $61 | $814 | 0.77% |
| ROBERT OLSON3 | 2700 WEST RICHMAR AVENUE UNIT 187 LAS VEGAS, NV 89123 | AFLAC | $637 | — | $637 | 0.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4064 COLONY ROAD, SUITE 450 CHARLOTTE, NC 28211 | VISION SERVICE PLAN | $2K | — | $2K | 3.01% |
| CAROLINA BENEFITS SOURCE INC3 Filed as: CAROLINA BENEFITS SOURCE | 4461 NE 30TH AVENUE LIGHTHOUSE POINT, FL 33064 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $324 | — | $324 | 2.13% |
| EDWIN C. THORNE3 | 11523 CHESTNUT HILL DRIVE MATTHEWS, NC 28105 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $257 | — | $257 | 1.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC. | 4064 COLONY ROAD CHARLOTTE, NC 28211 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $201 | — | $201 | 1.32% |
| ROBERT P MCFARLAND3 Filed as: ROBERT P. MCFARLAND | 111 NORTH PINE ISLAND DRIVE PLANTATION, FL 33324 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $126 | — | $126 | 0.83% |
| LAURIE J BURNS3 Filed as: LAURIE J. BURNS | 303 PYLER ROAD INDIAN TRAIL, NC 28079 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $125 | — | $125 | 0.82% |
| THE PLANNING GROUP AND OTHER AGENTS3 | PO BOX 8334 WILSON, NC 27893 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $79 | — | $79 | 0.52% |
| INSYNC BENEFITS INC3 | PO BOX 1474 CORNEIUS, NC 28031 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 0.38% |
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 | 824 | 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) | 824 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 978 | $6.6M |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 969 | $389K |
| Vision | VISION SERVICE PLAN | 481 | $73K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 789 | $550K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 789 | $547K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 789 | $547K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 978 | $6.6M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 789 | $668K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 978 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.