| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4819 EMPEROR BLVD SUITE 200 DURHAM, NC 27703 | SUN LIFE ASSURANCE COMPANY OF CANADA | $41K | — | $41K | 12.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2580 GOLF ROAD GBS FINANCE - 5TH FLOOR ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $6K | $6K | 1.73% |
| HCW EMPLOYEE BENEFIT SERVICES, LLC3 Filed as: HCW EMPLOYEE BENEFIT SERVICES LLC | 4819 EMPEROR BLVD SUITE 200 DURHAM, NC 27703 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 0.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4819 EMPEROR BLVD SUITE 200 DURHAM, NC 27703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 3.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF ROAD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 1.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4819 EMPEROR BLVD SUITE 200 DURHAM, NC 27703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 20.96% |
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATES | 1616 E MILLBROOK ROAD SUITE 250 RALEIGH, NC 27609 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $350 | — | $350 | 3.20% |
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATES | 1616 E MILLBROOK ROAD SUITE 250 RALEIGH, NC 27609 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $53 | — | $53 | 0.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 | SUITE 200 4819 EMPEROR BLVD DURHAM, NC 27703 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $170 | — | $170 | 1.61% |
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATIONS | 1616 E MILLBROOK ROAD SUITE 250 RALEIGH, NC 27609 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $155 | — | $155 | 1.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC OF C | TWO PIECE PLACE 21ST FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $75 | — | $75 | 0.71% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $21 | $21 | 0.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4819 EMPEROR BLVD SUITE 200 DURHAM, NC 27703 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $728 | — | $728 | 7.90% |
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATES | 1616 E MILLBROOK ROAD SUITE 250 RALEIGH, NC 27609 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $152 | — | $152 | 1.65% |
| NFP INSURANCE SERVICES INC3 | 1616 E MILLBROOK ROAD SUITE 250 RALEIGH, NC 27609 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $92 | $92 | 1.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC OF C | TWO PIECE PLACE 21ST FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4819 EMPEROR BLVD SUITE 200 DURHAM, NC 27703 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $94 | — | $94 | 4.98% |
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATES | 1616 E MILLBROOK ROAD SUITE 250 RALEIGH, NC 27609 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $48 | — | $48 | 2.54% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $12 | $12 | 0.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 | SUITE 200 4819 EMPEROR BLVD DURHAM, NC 27703 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $172 | — | $172 | 9.33% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $22 | $22 | 1.19% |
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATES | 1616 E MILLBROOK ROAD SUITE 250 RALEIGH, NC 27609 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 1.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC OF C | TWO PIECE PLACE 21ST FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4819 EMPEROR BLVD SUITE 200 DURHAM, NC 27703 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $70 | — | $70 | 4.52% |
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATES | 1616 E MILLBROOK ROAD SUITE 250 RALEIGH, NC 27609 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 2.84% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $10 | $10 | 0.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC OF C | TWO PIECE PLACE 21ST FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4819 EMPEROR BLVD SUITE 200 DURHAM, NC 27703 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $98 | — | $98 | 7.78% |
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATES | 1616 E MILLBROOK ROAD SUITE 250 RALEIGH, NC 27609 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 2.22% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $12 | $12 | 0.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4819 EMPEROR BLVD SUITE 200 DURHAM, NC 27703 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 4.67% |
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATES | 1616 E MILLBROOK ROAD SUITE 250 RALEIGH, NC 27609 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 2.87% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $4 | $4 | 0.72% |
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 | 537 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 556 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 519 | $321K |
| Long-term disability(8 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 519 | $348K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 465 | $321K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 519 | $389K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 519 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.