| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4250 CONGRESS STREET SUITE 200 CHARLOTTE, NC 28209 | EYEMED VISION/COMBINED INSURANCE COMPANY OF AMERICA | $51K | — | $51K | 4.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4250 CONGRESS STREET SUITE 200 CHARLOTTE, NC 28209 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $47K | — | $47K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD GBS FINANCE 5TH FL ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $22K | $22K | 2.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4250 CONGRESS STREET SUITE 200 CHARLOTTE, NC 28208 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $176K | — | $176K | 20.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD GBS FINANCE 5TH FL ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $18K | $18K | 2.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4250 CONGRESS STREET SUITE 200 CHARLOTTE, NC 28209 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $127K | — | $127K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD GBS FINANCE 5TH FL ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $11K | $11K | 1.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2000 MORRIS AVE STE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICAN | $21K | — | $21K | 7.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | UNUM LIFE INSURANCE COMPANY OF AMERICAN | $674 | — | $674 | 0.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD GBS FINANCE 5TH FL ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICAN | — | $362 | $362 | 0.13% |
| GOODRUM, PHILLIP, PORTER3 | 6230 FAIRVIEW RD STE 210 CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICAN | $25 | — | $25 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4250 CONGRESS STREET SUITE 200 CHARLOTTE, NC 28209 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD GBS FINANCE 5TH FL ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6K | $6K | 2.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2000 MORRIS AVE STE 1400 DBA CBA BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | — | $9K | 3.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 1.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD GBS FINANCE 5TH FL ROLLING MEADOWS, IL 60008 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $289 | $289 | 0.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLGHER BENEFIT SERVICES, INC. | PO BOX 95287 CHICAGO, IL 60694 | UNUM INSURANCE COMPANY | $39K | — | $39K | 19.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD GBS FINANCE 5TH FL ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | — | $3K | $3K | 1.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | UNUM INSURANCE COMPANY | $31K | — | $31K | 19.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD GBS FINANCE 5TH FL ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | — | $2K | $2K | 1.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4250 CONGRESS STREET SUITE 200 CHARLOTTE, NC 28209 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $27K | — | $27K | 20.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD GBS FINANCE 5TH FL ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 1.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4250 CONGRESS STREET SUITE 200 CHARLOTTE, NC 28209 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD GBS FINANCE 5TH FL ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $248 | $248 | 0.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | UNUM INSURANCE COMPANY | $15K | — | $15K | — |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD GBS FINANCE 5TH FL ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | — | $972 | $972 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PEAK HEALTH, LLC EIN 87-1534468 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 1085 VAN VOORHIS ROAD STE 300 MORGANTOWN, WV 26505 | $2.1M |
| ELIXIR SOLUTIONS EIN 90-1011712 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 7853 FREEDOM AVE NW NORTH CANTON, OH 44720 | $449K |
| DELTA DENTAL EIN 54-0844477 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 5415 AIRPORT ROAD ROANOKE, VA 24012 | $195K |
| FLORES AND ASSOCIATES EIN 56-1542307 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 1218 S CHURCH ST CHARLOTTE, NC 28203 | $166K |
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 | 6,028 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 6,028 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION/COMBINED INSURANCE COMPANY OF AMERICA | 3,758 | $1.1M |
| Life insurance(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,157 | $1.4M |
| Short-term disability(5 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,055 | $1.4M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,531 | $931K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | PALMETTO HEALTHCARE STOP LOSS | 2,003 | $764K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICAN | 5,153 | $462K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,157 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.