| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4250 CONGRESS STREET, SUITE 200 CHARLOTTE, NC 28209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $0 | $7K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4819 EMPEROR BOULEVARD, SUITE 200 DURHAM, NC 27703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 32.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 4.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 4.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3600 AMERICAN BOULEVARD WEST SUITE 500 BLOOMINGTON, MN 55431 | USABLE LIFE | $3K | $741 | $4K | 16.99% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $2K | $0 | $2K | 8.65% |
| LAUREN GREENWOOD3 | 1026 PENNINGTON DRIVE LANCASTER, SC 29720 | AFLAC | $58 | $0 | $58 | 10.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4250 CONGRESS STREE, SUITE 200 CHARLOTTE, NC 28209 | AFLAC | $14 | $0 | $14 | 2.53% |
| JONATHAN P DUNN3 Filed as: JONATHAN P. DUNN | 3337 TWIN RIDGE DRIVE CHARLOTTE, NC 28210 | AFLAC | $7 | $0 | $7 | 1.27% |
| ELIZABETH F HARKEY3 Filed as: ELIZABETH F. HARKEY | 501 NORTH CHURCH STREET, SUITE 300 CHARLOTTE, NC 28202 | AFLAC | $4 | $0 | $4 | 0.72% |
| LESLIE FAULKNER3 Filed as: LESLIE F. MORSE AND OTHER AGENTS | 46 HOWELL STREET SE ATLANTA, GA 30312 | AFLAC | $4 | $0 | $4 | 0.72% |
| RICHARD JONES3 Filed as: RICHARD J. JONES | 12826 ENGLISH WALNUT LANE CHARLOTTE, NC 28215 | AFLAC | $3 | $0 | $3 | 0.54% |
| JAMIE JONES3 | 12826ENGLISH WALNUT LANE CHARLOTTE, NC 28215 | AFLAC | $2 | $0 | $2 | 0.36% |
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 | 188 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 358 | $75K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 192 | $23K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 183 | $38K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 183 | $38K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 192 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.