| 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 | $70K | $18K | $89K | 6.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 4250 CONGRESS STREET SUITE 200 CHARLOTTE, NC 28208 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $232K | $15K | $247K | 21.25% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICE | 4250 CONGRESS STREET SUITE 200 CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY OF AMERICAN | $288K | $20K | $308K | 36.53% |
| GOODRUM, PHILLIP, PORTER | 131 HILLSIDE AVE CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY OF AMERICAN | $38 | — | $38 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 4250 CONGRESS STREET SUITE 200 CHARLOTTE, NC 28209 | LIFE INSURANCE COMPANY OF NORTH AMERICAN | $92K | $8K | $100K | 16.29% |
| 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 | $47K | — | $47K | 9.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 4250 CONGRESS STREET SUITE 200 CHARLOTTE, NC 28209 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | $5K | $25K | 6.31% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICE | 4250 CONGRESS STREET SUITE 200 CHARLOTTE, NC 28209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $291K | $28K | $318K | 99.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 4250 CONGRESS STREET SUITE 200 CHARLOTTE, NC 28209 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | $2K | $26K | 21.34% |
| 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 | $673 | $3K | 6.24% |
| 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 | $1.8M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $746K |
| ELIXIR SOLUTIONS EIN 90-1011712 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 2181 E AURORA RD SUITE 201 TWINSBURG, OH 44087 | $343K |
| DELTA DENTAL EIN 54-0844477 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 4818 STARKEY ROAD ROANOKE, VA 24018 | $199K |
| FLORES AND ASSOCIATES EIN 56-1542307 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 1218 S CHURCH ST CHARLOTTE, NC 28203 | $150K |
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 | 5,690 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 5,690 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION/COMBINED INSURANCE COMPANY OF AMERICA | 7,753 | $482K |
| Life insurance(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,362 | $1.9M |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICAN | 5,324 | $801K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,154 | $1.4M |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICAN | 2,925 | $1.2M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICAN | 5,351 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,753 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.