| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4819 EMPEROR BOULEVARD, SUITE 200 DURHAM, NC 27703 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | $0 | $9K | 5.26% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 94112 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | $0 | $8K | 4.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $4K | $4K | 2.10% |
| HCW EMPLOYEE BENEFIT SERVICES, LLC3 | 4819 EMPEROR BOULEVARD, SUITE 200 DURHAM, NC 27703 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $0 | $1K | 0.82% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $95 | $6K | 4.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4819 EMPEROR BOULEVARD, SUITE 200 DURHAM, NC 27703 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $75 | $5K | 3.40% |
| HCW EMPLOYEE BENEFIT SERVICES, LLC3 Filed as: HCW EMPLOYEE BENEFIT SERVICES LLC | 4819 EMPEROR BOULEVARD, SUITE 200 DURHAM, NC 27703 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $1K | $5K | 3.26% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 94112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $625 | $625 | 0.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 100 MATSONFORD ROAD RADNOR, PA 19087 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $10 | $10 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4819 EMPEROR BOULEVARD, SUITE 200 DURHAM, NC 27703 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.91% |
| TIMOTHY WARREN MUIR3 | 2929 WILMOT AVENUE COLUMBIA, SC 29205 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $705 | $0 | $705 | 2.01% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT AND SON INC. | PO BOX 603438 CHARLOTTE, NC 28260 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $383 | $0 | $383 | 1.09% |
| MARC JESSUP3 Filed as: MARC JESSUP INSURANCE | PO BOX 12890 NEW BERN, NC 28561 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $207 | $0 | $207 | 0.59% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $183 | $0 | $183 | 0.52% |
| MJ INSURANCE3 Filed as: JEFFREY JOHNSON AND VARIOUS AGENTS | 119 HARVEST HILL TRAIL LEXINGTON, SC 39072 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $128 | $0 | $128 | 0.36% |
| MICHAEL EDWARD MCGINNISS3 Filed as: MICHAEL WL JOHNSON | 104 SILVERSTONE ROAD LEXINGTON, SC 29072 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $95 | $0 | $95 | 0.27% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.95% |
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 | 221 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 449 | $149K |
| Vision | VISION SERVICE PLAN | 152 | $20K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 221 | $179K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 221 | $179K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 221 | $179K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 221 | $214K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 449 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.