| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 4250 CONGRESS STREET SUITE 200 CHARLOTTE, NC 28209 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $72K | $21K | $93K | 6.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 4250 CONGRESS STREET SUITE 200 CHARLOTTE, NC 28208 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $231K | $16K | $248K | 21.40% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICE | 4250 CONGRESS STREET SUITE 200 CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY OF AMERICAN | $80K | $2K | $82K | 9.82% |
| GOODRUM, PHILLIP, PORTER | 131 HILLSIDE AVE CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY OF AMERICAN | $42 | — | $42 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 4250 CONGRESS STREET SUITE 200 CHARLOTTE, NC 28209 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $92K | $9K | $101K | 16.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 4250 CONGRESS STREET SUITE 200 CHARLOTTE, NC 28209 | EYEMED VISION/COMBINED INSURANCE COMPANY OF AMERICA | $59K | — | $59K | 11.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 4250 CONGRESS STREET SUITE 200 CHARLOTTE, NC 28209 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | $7K | $27K | 6.60% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICE | 4250 CONGRESS STREET SUITE 200 CHARLOTTE, NC 28209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $21K | $2K | $23K | 13.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 4250 CONGRESS STREET SUITE 200 CHARLOTTE, NC 28209 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $26K | $2K | $28K | 21.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 4250 CONGRESS STREET SUITE 200 CHARLOTTE, NC 28209 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $879 | $4K | 6.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INNOVATION HEALTH INSURANCE COMPANY EIN 46-0674828 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 3190 FAIRVIEW PARK DRIVE FALLS CHURCH, VA 22042 | $1.9M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $839K |
| ELIXIR SOLUTIONS EIN 90-1011712 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 2181 E AURORA RD SUITE 201 TWINSBURG, OH 44087 | $322K |
| DELTA DENTAL EIN 54-0844477 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 4818 STARKEY ROAD ROANOKE, VA 24018 | $203K |
| FLORES AND ASSOCIATES EIN 56-1542307 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 1218 S CHURCH ST CHARLOTTE, NC 28203 | $146K |
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 | 5,990 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 5,990 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION/COMBINED INSURANCE COMPANY OF AMERICA | 7,739 | $532K |
| Life insurance(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,302 | $1.7M |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,280 | $726K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,794 | $1.4M |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICAN | 3,964 | $1.0M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICAN | 5,295 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,739 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.