| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4250 CONGRESS STREET, SUITE 200 CHARLOTTE, NC 28209 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | $37K | $48K | 5.63% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN INSURANCE GROUP, LLC | 4010 WEST BOY SCOUT BOULEVARD SUITE 200 TAMPA, FL 33607 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $6K | $6K | 0.69% |
| LAUREN GREENWOOD3 | 1026 PENNINGTON DRIVE LANCASTER, SC 29720 | AFLAC | $635 | $0 | $635 | 10.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4250 CONGRESS STREET, SUITE 200 CHARLOTTE, NC 28209 | AFLAC | $150 | $0 | $150 | 2.46% |
| JONATHAN P DUNN3 Filed as: JONATHAN P. DUNN | 3337 TWIN RIDGE DRIVE CHARLOTTE, NC 28210 | AFLAC | $79 | $0 | $79 | 1.30% |
| MJ INSURANCE3 Filed as: LESLIE F. MORSE AND VARIOUS AGENTS | 46 HOWELL STREET SE ATLANTA, GA 30312 | AFLAC | $75 | $0 | $75 | 1.23% |
| RICHARD JONES3 Filed as: RICHARD J. JONES | 12826 ENGLISH WALNUT LANE CHARLOTTE, NC 28215 | AFLAC | $34 | $0 | $34 | 0.56% |
| ELIZABETH F HARKEY3 Filed as: ELIZABETH F. HARKEY | 501 NORTH CHURCH STREET, SUITE 300 CHARLOTTE, NC 28202 | AFLAC | $31 | $0 | $31 | 0.51% |
| JAMIE JONES3 | 12826 ENGLISH WALNUT LANE CHARLOTTTE, NC 28215 | AFLAC | $18 | $0 | $18 | 0.30% |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 249 | $852K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 249 | $852K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 249 | $852K |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 249 | $858K |
| Short-term disability | AFLAC | 6 | $6K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 249 | $852K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 249 | $858K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.