| 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 | $23K | — | $23K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | PO BOX 601478 CHARLOTTE, NC 282601478 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 0.74% |
| 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 | $24K | — | $24K | 9.74% |
| USI INSURANCE SERVICES LLC3 | 7 E CONGRESS ST STE 1002 SAVANNAH, GA 314013396 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 5.97% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | P. O. BOX 1350 TUSCALOOSA, AL 354031350 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 4.94% |
| WELLS FARGO INSURANCE SERVICES3 | GA HQ - ATLANTA 3475 PIEDMONT RD. SUITE 800 ATLANTA, GA 30305 | NATIONWIDE | $1K | — | $1K | 10.00% |
| WELLS FARGO INSURANCE SERVICES3 | GA HQ - ATLANTA 3475 PIEDMONT RD. SUITE 800 ATLANTA, GA 30305 | NATIONWIDE | $1K | — | $1K | 10.00% |
| WELLS FARGO INSURANCE SERVICES3 | GA HQ - ATLANTA 3475 PIEDMONT RD. SUITE 800 ATLANTA, GA 30305 | NATIONWIDE | $485 | — | $485 | 10.01% |
| WELLS FARGO INSURANCE SERVICES3 | GA HQ - ATLANTA 3475 PIEDMONT RD. SUITE 800 ATLANTA, GA 30305 | NATIONWIDE | $405 | — | $405 | 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 | 504 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 504 | 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 | 486 | $1.7M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 486 | $1.7M |
| Vision | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 32 | $250K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 443 | $465K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 443 | $465K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 443 | $465K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 486 | $1.5M |
| Other(5 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 504 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 504 | — |
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.