| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERIVICES, INC. | 2850 GOLF ROAD, 8TH FLOOR ROLLING MEADOWS, IL 60008 | HEALTHKEEPERS, INC. | $18K | $0 | $18K | 1.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERIVICES, INC. | 2850 GOLF ROAD, 8TH FLOOR ROLLING MEADOWS, IL 60008 | ANTHEM LIFE INSURANCE COMPANY | $5K | $0 | $5K | 6.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | ANTHEM LIFE INSURANCE COMPANY | $965 | $0 | $965 | 1.09% |
| RYAN A. WALLACE3 | 4064 COLONY ROAD, SUITE 450 CHARLOTTE, NC 28211 | ANTHEM LIFE INSURANCE COMPANY | $550 | $0 | $550 | 0.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4064 COLONY ROAD, SUITE 450 CHARLOTTE, NC 28211 | AMERITAS LIFE INSURANCE CORP. | $4K | $0 | $4K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 21ST FLOOR ROLLING MEADOWS, IL 60008 | AMERITAS LIFE INSURANCE CORP. | $0 | $1K | $1K | 1.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 800 CAPITAL CIRCLE SE, UNIT 2 TALLAHASSEE, FL 32301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | $0 | $11K | 47.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4250 CONGRESS STREET, SUITE 200 CHARLOTTE, NC 28209 | CONTINENTAL AMERICAN INSURANCE COMPANY | $284 | $0 | $284 | 1.21% |
| TIFFANY GODLEY SMITH3 Filed as: TIFFANY G. SMITH | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | CONTINENTAL AMERICAN INSURANCE COMPANY | $104 | $0 | $104 | 0.44% |
| GLENN E SMITH3 Filed as: GLENN E. SMITH | 1136 MASTERS ROW CHESAPEAKE, VA 23220 | CONTINENTAL AMERICAN INSURANCE COMPANY | $87 | $0 | $87 | 0.37% |
| MJ INSURANCE3 Filed as: SHELLY J. HAYES AND VARIOUS AGENTS | UNKNOWN CHESAPEAKE, VA 23320 | CONTINENTAL AMERICAN INSURANCE COMPANY | $67 | $0 | $67 | 0.28% |
| MILLENNIUM BENEFITS SOLUTIONS LLC3 Filed as: MILLENNIUM BENEFITS SOLUTIONS, LLC | 1721 SWAN LAKE CRESCENT CHESAPEAKE, VA 23321 | CONTINENTAL AMERICAN INSURANCE COMPANY | $54 | $0 | $54 | 0.23% |
| ANDREW JOHNSON BENEFITS GROUP LLC3 Filed as: ANDREW JOHNSON BENEFITS GROUP, LLC | 11310 EAST OCEAN AVENUE NORFOLK, VA 23503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | $0 | $30 | 0.13% |
| PHILLIP PORTER GOODRUM3 | 4400 PARK ROAD CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 43.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 18.53% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION | 131 HILLSIDE AVENUE CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $688 | $688 | 4.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERIVICES, INC. | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $295 | $295 | 1.80% |
| COMMONWEALTH EMPLOYEE BEN SOLUTIONS3 Filed as: COMMONWEALTH EMPLOYEE BEN. SOL. INC | 3300 TYRE NECK ROAD, SUITE 1 PORTSMOUTH, VA 23703 | UNICARE LIFE AND HEALTH INSURANCE COMPANY | $814 | $0 | $814 | 5.77% |
| COMMONWEALTH EMPLOYEE BEN SOLUTIONS3 Filed as: COMMONWEALTH EMPLOYEE BEN. SOL. INC | 4520 HOLLAND OFFICE PARK VIRGINIA BEACH, VA 23452 | UNICARE LIFE AND HEALTH INSURANCE COMPANY | $465 | $0 | $465 | 3.30% |
| PHILLIP PORTER GOODRUM3 | 4400 PARK ROAD CHARLOTTE, NC 28209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 45.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 19.64% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION | 131 HILLSIDE AVENUE CHARLOTTE, NC 28209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $688 | $688 | 7.01% |
| COMMONWEALTH EMPLOYEE BEN SOLUTIONS3 Filed as: COMMONWEALTH EMPLOYEE BEN. SOL. INC | 3300 TYRE NECK ROAD, SUITE 1 PORTSMOUTH, VA 23703 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $146 | $0 | $146 | 1.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERIVICES, INC. | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $144 | $144 | 1.47% |
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 | 186 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHKEEPERS, INC. | 89 | $939K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 283 | $87K |
| Vision | UNICARE LIFE AND HEALTH INSURANCE COMPANY | 192 | $14K |
| Life insurance(3 contracts, 3 carriers) | ANTHEM LIFE INSURANCE COMPANY | 216 | $122K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 216 | $88K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 216 | $88K |
| Prescription drug | HEALTHKEEPERS, INC. | 89 | $939K |
| Other(3 contracts, 3 carriers) | ANTHEM LIFE INSURANCE COMPANY | 216 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.