| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $40K | $0 | $40K | 4.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $11K | $11K | 1.26% |
| EMERSON REID LLC3 Filed as: EMERSON REID | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $0 | $17K | 4.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ALINGTON HIEHTS, IL 60006 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.25% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY INC. | 1820 E. FIRST ST STE 400 SANTA ANA, CA 92705 | RELIASTAR LIFE INSURANCE COMPANY | $16K | $0 | $16K | 13.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | RELIASTAR LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.12% |
| T2B SOLUTIONS INC.3 | PO BOX 43 INDIANOLA, IA 50125 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $240 | $240 | 0.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $2K | $0 | $2K | 10.15% |
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 | 2,194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 734 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,945 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 292 | $1.9M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 3,278 | $2.8M |
| Vision | VISION SERVICE PLAN | 63 | $17K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,194 | $856K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,226 | $363K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 292 | $1.9M |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 265 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,278 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.