| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | UNITEDHEALTHCARE INSURANCE COMPANY | $27K | — | $27K | 13.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 3.19% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL BENEFITS ADVISORS - ORLANDO | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | -$19 | — | -$19 | -0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | RELIASTAR LIFE INSURANCE COMPANY | $13K | — | $13K | 29.04% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMINISTRATION, | 101 S GARLAND AVE STE 203 ORLANDO, FL 328013277 | RELIASTAR LIFE INSURANCE COMPANY | — | $646 | $646 | 1.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1 WEST 4TH STREET SUITE 1300 CINCINNATI, OH 45202 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 12.81% |
| GALLAGHER BENEFIT SERVICES, INC.4 Filed as: GALLAGHER BENEFIT SERVICES INC | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 17.00% |
| MARK JOHNSON4 | 817 POPLAR TERRACE CANTON, GA 30115 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $247 | — | $247 | 2.01% |
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 | 3,652 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,693 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF ALABAMA | 677 | $2.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 2,069 | $162K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 2,778 | $17K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 3,988 | $195K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 3,988 | $195K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 3,988 | $195K |
| Prescription drug | BLUE CROSS & BLUE SHIELD OF ALABAMA | 677 | $2.2M |
| Other(5 contracts, 5 carriers) | BLUE CROSS & BLUE SHIELD OF ALABAMA | 3,988 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,988 | — |
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.