| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 7.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $309 | $2K | $3K | 5.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 6.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 6.63% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION, LLC | 4400 PARK RD STE 307 CHARLOTTE, NC 282093139 | RELIASTAR LIFE INSURANCE COMPANY | $8K | $0 | $8K | 20.60% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 282115588 | RELIASTAR LIFE INSURANCE COMPANY | $909 | $0 | $909 | 2.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4819 EMPEROR BLVD SUITE 200 DURHAM, NC 27703 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 4.33% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $338 | $153 | $491 | 2.09% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $336 | $7 | $343 | 1.46% |
| HUGO CHRISTOPHER GUCKERT3 | 4500 BLACK ROCK ROAD STE 310 HAMPSTEAD, MD 21074 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $237 | — | $237 | 1.01% |
| DWIGHT L PIERCE3 | BENEFITS TECHNOLOGIES DIV 15 1200 E TAFT AVE SAPULPA, OK 74066 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $224 | — | $224 | 0.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | — | $73 | $73 | 0.31% |
| PHILLIP PORTER GOODRUM3 | 4400 PARK RD STE 307 CHARLOTTE, NC 282093139 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $69 | — | $69 | 0.29% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL TEXAS HWY BLDG 2, STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | — | $41 | $41 | 0.17% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 6830 COCHRAN RD SOLON, OH 44139 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | — | $28 | $28 | 0.12% |
| JO ANN PANTALONE3 | 897 12TH ST HAMMONTON, NJ 08037 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.07% |
| DWIGHT L PIERCE3 | 1200 E TAFT AVE DIV 15 SAPULPA, OK 74066 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17 | — | $17 | 4.39% |
| HUGO CHRISTOPHER GUCKERT3 | 4500 BLACK ROCK ROAD HAMPSTEAD, MD 21074 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17 | — | $17 | 4.39% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFIT PROGRAMS AN AON COMP | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13 | — | $13 | 3.36% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9 | — | $9 | 2.33% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 NONE | Claims processing; Contract Administrator; Direct payment from the plan; Participant communication; Float revenue; Other services; Non-monetary compensation Service code 12 | — | $158K |
| GALLAGHER BENEFIT SERVICES NONE | Direct payment from the plan; Consulting (general) Service code 16 | 2850 WEST GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | $144K |
| RSM US LLP EIN 42-0714325 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $39K |
| FLORES & ASSOCIATES EIN 56-1542307 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $11K |
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 | 405 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 413 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 499 | $174K |
| Vision | VISION SERVICE PLAN | 222 | $69K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 412 | $113K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 236 | $83K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 184 | $50K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 412 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 499 | — |
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."
No prospect flags tripped on this filing.