| 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 | $71K | — | $71K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 4250 CONGRESS STREET SUITE 200 CHARLOTTE, NC 28208 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $252K | — | $252K | 20.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 4250 CONGRESS STREET SUITE 200 CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY OF AMERICAN | $73K | $3K | $76K | 10.13% |
| GOODRUM, PHILLIP, PORTER3 | 131 HILLSIDE AVE CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY OF AMERICAN | $32 | — | $32 | 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 AMERICA | $96K | — | $96K | 15.00% |
| 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 | $53K | — | $53K | 10.40% |
| 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 | — | $20K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 4250 CONGRESS STREET SUITE 200 CHARLOTTE, NC 28209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $37K | $3K | $41K | 14.40% |
| 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 | — | $25K | 20.00% |
| 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 | — | $3K | 5.00% |
| 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 | $1.4M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $1.1M |
| ELIXIR SOLUTIONS EIN 90-1011712 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 2181 E AURORA RD SUITE 201 TWINSBURG, OH 44087 | $458K |
| DELTA DENTAL EIN 54-0844477 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 4818 STARKEY ROAD ROANOKE, VA 24018 | $189K |
| FLORES AND ASSOCIATES EIN 56-1542307 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 1218 S CHURCH ST CHARLOTTE, NC 28203 | $151K |
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 | 5,753 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 5,753 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION/COMBINED INSURANCE COMPANY OF AMERICA | 3,638 | $507K |
| Life insurance(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,145 | $1.9M |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,108 | $818K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,825 | $1.4M |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICAN | 2,482 | $1.2M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICAN | 5,126 | $931K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,145 | — |
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.