| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | $8K | $31K | 6.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $58K | $6K | $64K | 40.00% |
| NATIONAL BENEFIT CENTER3 | 1105 NORTH MARKET STREET STE 1300 WILMINGTON, DE 19801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $144 | — | $144 | 0.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $5K | 7.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | COMMUNITY EYE CARE | $5K | — | $5K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $589 | $3K | 9.66% |
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 | 714 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 22 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 740 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 595 | $159K |
| Vision | COMMUNITY EYE CARE | 560 | $52K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 732 | $96K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 595 | $159K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 751 | $442K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 732 | $228K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 751 | — |
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.
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.