| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | RELIASTAR LIFE INSURANCE COMPANY | — | $26K | $26K | 2.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 4TH FLOOR ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF NORTH CAROLINA | $18K | — | $18K | 3.15% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 28290 | DELTA DENTAL OF NORTH CAROLINA | $2K | — | $2K | 0.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 13965 W. CHINDEN BLVD. STE 300 BOISE, ID 83713 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $40K | — | $40K | 12.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC | PO BOX 956012 ST. LOUIS, MO 60675 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $705 | $705 | 0.21% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | -$6K | $2K | -$4K | -1.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 13965 W. CHINDEN BLVD. STE 300 BOISE, IA 83713 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $43K | — | $43K | 13.43% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC | PO BOX 955909 ST. LOUIS, MO 63195 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $1K | $1K | 0.37% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | -$6K | $2K | -$5K | -1.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 13965 W. CHINDEN BLVD. STE 300 BOISE, ID 83713 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $19K | — | $19K | 7.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC | PO BOX 955909 ST. LOUIS, MO 63195 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $559 | $559 | 0.21% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | -$3K | $1K | -$1K | -0.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | EYEMED VISION CARE OBO THE FIDELITY SECURITY LIFE INSURANCE COMPANY | $7K | — | $7K | 8.21% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | PO BOX 955909 ST. LOUIS, MO 63195 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $75 | $75 | 0.22% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | PO BOX 955909 ST. LOUIS, MO 63195 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $15 | $15 | 0.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $621 | — | $621 | 15.00% |
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 | 1,412 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,429 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 1,863 | $570K |
| Vision | EYEMED VISION CARE OBO THE FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,688 | $85K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,412 | $319K |
| Short-term disability(2 contracts) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,168 | $341K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,413 | $271K |
| Other(4 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,412 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,863 | — |
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.