| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $25K | — | $25K | 5.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $17K | — | $17K | 3.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 939 4TH FLOOR BURLINGTON, NC 27216 | DELTA DENTAL OF NORTH CAROLINA | $6K | — | $6K | 6.44% |
| 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 | $3K | — | $3K | 3.42% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 4401 LEEDS AVE STE 260 CHARLESTON, SC 29405 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $484 | $2K | 8.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $945 | — | $945 | 3.45% |
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 | 252 | 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) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 153 | $434K |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 248 | $89K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 252 | $27K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 153 | $434K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 252 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.