| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1550 AVIATION PARKWAY STE 300 MORRISVILLE, NC 27560 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 2.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1550 AVIATION PARKWAY STE 300 MORRISVILLE, NC 27560 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $641 | $641 | 2.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1550 AVIATION PARKWAY STE 300 MORRISVILLE, NC 27560 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $209 | $209 | 2.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4819 EMPEROR BLVD STE 300 MORRISVILLE, NC 27560 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $228 | $228 | 2.31% |
| STOVALL & ASSOCIATES INC.4 Filed as: STOVALL & ASSOCIATES, INC. | 114 MARITIME CT. CHOCOWINITY, NC 278177905 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $877 | — | $877 | 17.73% |
| LENWOOD MURPHY JR.4 Filed as: LENWOOD M MURPHY | 1703 SUNSET AVE. KINSTON, NC 285042549 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $75 | — | $75 | 1.52% |
| RUTH A ANDERSON4 | 331 S FAYETTEVILLE ST CLAYTON, NC 275202434 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $72 | — | $72 | 1.46% |
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 | 2,618 | 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) | 2,618 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 3,916 | $1.2M |
| Vision | SUPERIOR VISION PLAN | 134 | $8K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,956 | $70K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 98 | $31K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 103 | $10K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,956 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,916 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.