| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 729 DALLAS AVENUE SELMA, AL 36701 | CONTINENTAL AMERICAN | $41K | $0 | $41K | 12.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 111 VETERANS BOULEVARD, SUITE 1130 METAIRIE, LA 70005 | CONTINENTAL AMERICAN | $4K | $0 | $4K | 1.31% |
| RICHARD G MCGOWAN3 Filed as: RICHARD K CARTER | 1224 PEACOCK AVENUE, SUITE 205 COLUMBUS, GA 31906 | CONTINENTAL AMERICAN | $1K | $0 | $1K | 0.40% |
| CHARLES E MCDANIEL II3 Filed as: CHARLES MCDANIEL | 1224 PEACOCK AVENUE, SUITE 205 COLUMBUS, GA 31906 | CONTINENTAL AMERICAN | $1K | $0 | $1K | 0.40% |
| LISA MCDANIEL3 | 5010 HAWKS RIDGE DRIVE COLUMBUS, GA 31904 | CONTINENTAL AMERICAN | $882 | $0 | $882 | 0.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 729 DALLAS AVENUE SELMA, AL 36701 | VISION SERVICE PLAN | $16K | $0 | $16K | 9.99% |
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 | 2,113 | 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) | 2,113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,020 | $155K |
| Life insurance | PRUDENTIAL 3/31 | 0 | $0 |
| Short-term disability | LINCOLN | 2,114 | $383K |
| Long-term disability | LINCOLN | 2,113 | $382K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN | 1,054 | $333K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,114 | — |
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.