| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | PO BOX 601478 CHARLOTTE, NC 282601478 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 5.00% |
| USI INSURANCE SERVICES LLC3 | ATTN ACCOUNTING CENTER PO BOX 3716 NORFOLK, VA 235143716 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC | 301 SOUTH COLLEGE STREET 19TH FLOOR CHARLOTTE, NC 28202 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $21K | — | $21K | 9.81% |
| USI INSURANCE SERVICES LLC3 | 25 BULL ST SAVANNAH, GA 314012642 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 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 | 488 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 488 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 488 | $1.5M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 488 | $1.5M |
| Vision | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 25 | $213K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 451 | $444K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 451 | $444K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 451 | $444K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 488 | $1.3M |
| Other | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 488 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 488 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.