| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $7K | $7K | 1.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 729 DALLAS AVENUE SELMA, AL 36701 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $49K | $0 | $49K | 11.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 400 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 0.52% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $815 | $815 | 0.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 729 DALLAS AVENUE SELMA, AL 36701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25K | $0 | $25K | 7.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 70 NE LOOP 410, SUITE 325 SAN ANTONIO, TX 78216 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20K | $0 | $20K | 6.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 111 VETERANS BOULEVARD, SUITE 1130 METAIRIE, LA 70005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 1.09% |
| RICHARD CARTER SR3 Filed as: RICHARD K. CARTER, SR. | 1224 PEACOCK AVENUE, SUITE 205 COLUMBUS, GA 31906 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.35% |
| CHARLES E MCDANIEL II3 Filed as: CHARLES CHUCK W. MCDANIEL | 1224 PEACOCK AVENUE, SUITE 205 COLUMBUS, GA 31906 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.31% |
| LISA MCDANIEL3 Filed as: LISA F. MCDANIEL | 5010 HAWKS RIDGE DRIVE COLUMBUS, GA 31904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $862 | $0 | $862 | 0.25% |
| WILLIAM L AMOS & CO INC3 Filed as: WILLIAM T. NOBLES | 1224 PEACOCK AVENUE, SUITE 325 COLUMBUS, GA 31906 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 729 DALLAS AVENUE SELMA, AL 36701 | VISION SERVICE PLAN | $15K | $0 | $15K | 10.00% |
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 | 2,014 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,030 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,811 | $149K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,236 | $449K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,046 | $706K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,046 | $706K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,236 | $790K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,236 | — |
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.