| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203334 DALLAS, TX 75320 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $225K | — | $225K | 17.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203510 DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $91K | $12K | $103K | 11.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203334 DALLAS, TX 75320 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $27 | $11K | 2.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 1018 WEST 9TH AVENUE KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 1.07% |
| MORRIS POWELL3 | 5002 BLUE GRASS COURT WILMINGTON, NC 28409 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $29K | $16K | $45K | 19.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12K | — | $12K | 5.15% |
| MJ INSURANCE3 Filed as: BRIAN FLANNERY AND VARIOUS AGENTS | 183 WINDSOR GREEN DRIVE CLAYTON, NC 27527 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $381 | $4K | 1.54% |
| B & B INSURANCE SOLUTIONS INC3 Filed as: B AND B INSURANCE SOLUTIONS, INC. | 14716 SW 112 TERRACE MIAMI, FL 33196 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $1K | $3K | 1.15% |
| JERRY DUNCAN3 Filed as: JERRY FORBIS JR. | PO BOX 1025 PIKEVILLE, NC 27863 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $802 | $652 | $1K | 0.62% |
| PENELOPE DEAN KENNY3 | 3555 SOUTH OCEAN BOULEVARD APARTMENT 215 SOUTH PALM BEACH, FL 33480 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $457 | $11 | $468 | 0.20% |
| EMMA ANN DEAN3 | 350 SOUTH BELVEDERE DRIVE HAMPSTEAD, NC 28443 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $378 | $60 | $438 | 0.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203491 DALLAS, TX 75320 | VISION SERVICE PLAN | $3K | — | $3K | 2.21% |
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 | 620 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 620 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,264 | $1.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,448 | $533K |
| Vision | VISION SERVICE PLAN | 1,456 | $154K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 620 | $911K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 620 | $911K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 620 | $911K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,264 | $1.3M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 620 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,456 | — |
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.