| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 1401 H STREET NW, SUITE 750 WASHINGTON, DC 20005 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 1.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 1750 H STREET NW, SUITE 200 WASHINGTON, DC 20006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $11K | $11K | 0.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 9020 STONY POINT PARKWAY RICHMOND, VA 23235 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $29 | $10K | 0.67% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: WACHOVIA INSURANCE SERVICES INC | 301 COLLEGE STREET, 19TH FLOOR CHARLOTTE, NC 28202 | MINNESOTA LIFE INSURANCE COMPANY | $80K | — | $80K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203014 DALLAS, TX 75320 | VISION SERVICE PLAN | $5K | — | $5K | 1.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203150 DALLAS, TX 75320 | MUTUAL OF OMAHA INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 1753 PINNACLE DRIVE, SUITE 800 MCLEAN, VA 22102 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 10.87% |
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 | 1,944 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 156 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3 | $43K |
| Vision | VISION SERVICE PLAN | 1,362 | $234K |
| Life insurance | MINNESOTA LIFE INSURANCE COMPANY | 1,639 | $799K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,939 | $1.5M |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,944 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,944 | — |
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.