| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4250 CONGRESS ST STE 200 CHARLOTTE, NC 28209 | SYMETRA LIFE INSURANCE COMPANY | $22K | — | $22K | 45.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD 5TH FL ROLLING MDWS, IL 60008 | SYMETRA LIFE INSURANCE COMPANY | — | $2K | $2K | 4.41% |
| WALLACE A RYAN3 | 4064 COLONY RD STE 450 CHARLOTTE, NC 28211 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $89K | — | $89K | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD 5TH FL ROLLING MDWS, IL 60008 | HUMANA INSURANCE COMPANY | $22K | $9K | $31K | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 500 N BRAND BLVD STE 100 GLENDALE, CA 91203 | STANDARD INSURANCE COMPANY | $15K | — | $15K | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | STANDARD INSURANCE COMPANY | $15K | — | $15K | — |
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 | 270 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 430 | $0 |
| Dental | HUMANA INSURANCE COMPANY | 270 | $0 |
| Vision | COMMUNITY EYE CARE, LLC | 435 | $0 |
| Life insurance | STANDARD INSURANCE COMPANY | 276 | $0 |
| Short-term disability | STANDARD INSURANCE COMPANY | 276 | $0 |
| Long-term disability | STANDARD INSURANCE COMPANY | 276 | $0 |
| Other | SYMETRA LIFE INSURANCE COMPANY | 365 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 435 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.