| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 6525 MORRISON BLVD. SUITE 200 CHARLOTTE, NC 28211 | HCC LIFE INSURANCE COMPANY | $5K | — | $5K | 2.00% |
| PAUL BRANDON3 | 4064 COLONY ROAD SUITE 450 CHARLOTTE, NC 28211 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC | $2K | — | $2K | 1.21% |
| MCNEARY, INC.3 Filed as: MCNEARY, INC | 6525 MORRISON BLVD SUITE 200 CHARLOTTE, NC 28211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6525 MORRISON BLVD SUITE 200 CHARLOTTE, NC 28211 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | $999 | $10K | 19.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 | Claims processing; Contract Administrator; Float revenue; Non-monetary compensation; Named fiduciary; Participant communication; Direct payment from the plan; Other services Service code 12 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $597K |
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 | 1,046 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,046 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC | 1,046 | $181K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 615 | $54K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 260 | $55K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 615 | $54K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 617 | $272K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 615 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,046 | — |
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.