| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUZANNE K. JOHNSON3 | 1024 SOUTHSTONE DRIVE CHARLOTTE, NC 28210 | NORTHWESTERN MUTUAL | $14K | $4K | $18K | 16.06% |
| RICHARD WORRELL LLC3 Filed as: RICHARD WORRELL, LLC | 6235 CARNEGIE BOULEVARD CHARLOTTE, NC 28211 | NORTHWESTERN MUTUAL | $3K | $381 | $4K | 3.19% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP, LLC | 1439 STUART ENGALS BOULEVARD SUITE 300 MOUNT PLEASANT, SC 29464 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 4.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 15 SOUTH MAIN STREET, SUITE 900 GREENVILLE, SC 29602 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 3.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 115 CENTRAL ISLAND STREET SUITE 100 CHARLESTON, SC 29492 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 15.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $758 | $0 | $758 | 1.16% |
| IMG3 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $35 | $35 | 0.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM INSURANCE COMPANY | $5K | $0 | $5K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | $0 | $775 | $775 | 2.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 10.23% |
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 | 184 | 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) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 303 | $99K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 189 | $14K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 184 | $65K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 184 | $65K |
| Long-term disability | NORTHWESTERN MUTUAL | 43 | $111K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 184 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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.