| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 13965 WEST CHINDEN BOULEVARD SUITE 300 BOISE, ID 83713 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $61K | $0 | $61K | 5.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 4TH FLOOR ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF NORTH CAROLINA | $14K | $0 | $14K | 1.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | MINNESOTA LIFE INSURANCE COMPANY | $53K | $18K | $71K | 9.06% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC. | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | ARAG INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| BENEFITSTORE INC5 Filed as: BENEFITSTORE, INC | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | ARAG INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4064 COLONY ROAD, SUITE 450 CHARLOTTE, NC 28211 | AXIS INSURANCE COMPANY | $14K | $0 | $14K | 50.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $490 | $0 | $490 | 5.58% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $213 | $0 | $213 | 2.42% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC. | LOCKBOX NUMBER 893383 RICHARDSON, TX 75081 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $205 | $0 | $205 | 2.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $24 | $24 | 0.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $262 | $0 | $262 | 3.05% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $158 | $0 | $158 | 1.84% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC. | LOCKBOX NUMBER 893383 RICHARDSON, TX 75081 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $61 | $0 | $61 | 0.71% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS, INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $33 | $0 | $33 | 0.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $22 | $22 | 0.26% |
| JOHNSON AND HIGGINS CAROLINAS, INC.3 | ONE FIRST UNION CENTER, SUITE 3900 CHARLOTTE, NC 28202 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.09% |
| JOHN EDWARD MICKEY AND OTHER AGENTS3 | 100 NORTH CHERRY STREET, SUITE 500 WINSTON-SALEM, NC 28101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.08% |
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 | 2,089 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 78 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 3,124 | $925K |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 3,279 | $945K |
| Vision | VISION SERVICE PLAN | 1,498 | $359K |
| Life insurance(2 contracts, 2 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 1,741 | $790K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 2,938 | $1.1M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 2,938 | $1.1M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 3,124 | $925K |
| Other(6 contracts, 6 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 2,938 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,279 | — |
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.