| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4064 COLONY ROAD, SUITE 450 CHARLOTTE, NC 28211 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $26K | $35K | 4.32% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN DRYSTYN SHERMAN PARTNERS | 4010 WEST BOY SCOUT BOULEVARD SUITE 200 TAMPA, FL 33607 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $8K | $11K | 1.41% |
| LAUREN GREENWOOD3 | 1026 PENNINGTON DRIVE LANCASTER, SC 29720 | AFLAC | $1K | $118 | $1K | 14.92% |
| JONATHAN DUNN3 | 9112 ARBOR GLEN LANE CHARLOTTE, NC 28210 | AFLAC | $79 | $8 | $87 | 1.00% |
| ELIZABETH HARKEY3 | 501 NORTH CHURCH STREET, SUITE 300 CHARLOTTE, NC 28202 | AFLAC | $73 | $12 | $85 | 0.98% |
| MJ INSURANCE3 Filed as: HAROLD STAFFORD AND VARIOUS AGENTS | 10722 NORTHWEST 20TH DRIVE CORAL SPRINGS, FL 33071 | AFLAC | $78 | $0 | $78 | 0.90% |
| RICHARD JONES3 | 12826 ENGLISH WALNUT LANE CHARLOTTE, NC 28215 | AFLAC | $35 | $0 | $35 | 0.40% |
| JAMIE JONES3 | 12826 ENGLISH WALNUT LANE CHARLOTTE, NC 28215 | AFLAC | $19 | $0 | $19 | 0.22% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE MORSE | 46 HOWELL STREET SOUTHEAST ATLANTA, GA 30312 | AFLAC | $15 | $0 | $15 | 0.17% |
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 | 181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 328 | $805K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 328 | $805K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 328 | $805K |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 328 | $814K |
| Short-term disability | AFLAC | 9 | $9K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 328 | $805K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 328 | $814K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.