| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4250 CONGRESS STREET, SUITE 200 CHARLOTTE, VA 28209 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $35K | $0 | $35K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 1.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4250 CONGRESS STREET, SUITE 200 CHARLOTTE, NC 28209 | COMMUNITY EYE CARE | $11K | — | $11K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 111 VETERANS BOULEVARD, SUITE 1130 METAIRIE, LA 70005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 6.56% |
| GINA BOGUE WAINWRIGHT3 Filed as: GINA B. WAINWRIGHT | 4102 COUNTRY CLUB ROAD MOREHEAD CITY, NC 28557 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 5.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 1031 WEST 4TH AVENUE, SUITE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $846 | $0 | $846 | 1.30% |
| PAMELA KARDEEN3 Filed as: PAMELA J. KARDEEN | 2709 HOMES DRIVE MOREHEAD CITY, NC 28557 | CONTINENTAL AMERICAN INSURANCE COMPANY | $297 | $0 | $297 | 0.46% |
| JOSEPH EDWARD SHEA3 Filed as: JOSEPH EDWARD SHEA AND OTHER AGENTS | 409 MATHEW ANDREW COURT SWANSBORO, NC 28584 | CONTINENTAL AMERICAN INSURANCE COMPANY | $280 | $0 | $280 | 0.43% |
| JILL R LAMBERT3 Filed as: JILL W. DENTON | 2 GLENMORE DRIVE DURHAM, NC 27707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $228 | $0 | $228 | 0.35% |
| LARRY A WESTON JR3 Filed as: LARRY A. WESTON, JR. | 209 BRISTOL COURT GREENVILLE, NC 27834 | CONTINENTAL AMERICAN INSURANCE COMPANY | $150 | $0 | $150 | 0.23% |
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 | 865 | 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) | 865 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | COMMUNITY EYE CARE | 906 | $105K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 865 | $698K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 865 | $698K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 865 | $698K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 865 | $763K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 906 | — |
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.