| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29849 NETWORK PLACE CHICAGO, IL 60673 | STANDARD INSURANCE COMPANY | $604K | — | $604K | 7.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 95287 CHICAGO, IL 60694 | STANDARD INSURANCE COMPANY | $118K | $145K | $264K | 3.09% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | STANDARD INSURANCE COMPANY | $574K | — | $574K | 7.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 95287 CHICAGO, IL 60694 | STANDARD INSURANCE COMPANY | $112K | $180K | $291K | 3.59% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | STANDARD INSURANCE COMPANY | $595K | — | $595K | 7.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 95287 CHICAGO, IL 60694 | STANDARD INSURANCE COMPANY | $103K | $168K | $271K | 3.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 606945287 | VISION SERVICE PLAN | $321K | — | $321K | 7.48% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $97K | — | $97K | 2.26% |
| INSURANCE PARTNERS AGENCY INC3 Filed as: THE INSURANCE PARTNERS | 11225 COLLEGE BOULEVARD SUITE 105 OVERLAND PARK, KS 66210 | STANDARD INSURANCE COMPANY | $235K | $14K | $249K | 7.60% |
| KEVIN J SZELAGOWSKI3 | 2850 W GOLF ROAD 11TH FLOOR ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $248K | — | $248K | 7.56% |
| SARA PENNELLA3 | AON CORP 29840 JP MORGAN CHASE 131 S DEARBORN 6TH FLOOR CHICAGO, IL 60603 | STANDARD INSURANCE COMPANY | $120K | — | $120K | 3.65% |
| AON CONSULTING INC3 | AON HEWITT 3550 LENOX ROAD NE #1700 EXB ATLANTA, GA 30326 | STANDARD INSURANCE COMPANY | $105K | — | $105K | 3.20% |
| DANIEL WARD RICHARDSON3 Filed as: DANIEL W RICHARDSON | 11111 CARMEL COMMONS BOULEVARD SUITE 125 CHARLOTTE, NC 28226 | STANDARD INSURANCE COMPANY | $27K | — | $27K | 0.81% |
| GREGORY I HINRICHS3 | 5200 MCALPINE FARM ROAD CHARLOTTE, NC 28226 | STANDARD INSURANCE COMPANY | $26K | — | $26K | 0.79% |
| JAMES WILLIAM DEUINK3 Filed as: JAMES WILLIAM DEUINK JR | 11111 CARMEL COMMONS BOULEVARD SUITE 125 CHARLOTTE, NC 28226 | STANDARD INSURANCE COMPANY | $24K | — | $24K | 0.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | UNUM INSURANCE COMPANY | $264K | — | $264K | 10.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2000 MORRIS AVENUE SUITE 1400 BIRMINGHAM, AL 35203 | UNUM INSURANCE COMPANY | $258K | — | $258K | 9.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6967 S RIVER GATE DRIVE SUITE 1400 MIDVALE, UT 84047 | UNUM INSURANCE COMPANY | $132K | — | $132K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 W GOLF ROAD ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | — | $62K | $62K | 2.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC. | PO BOX 95287 CHICAGO, IL 60694 | UNUM INSURANCE COMPANY | $247K | — | $247K | 10.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2000 MORRIS AVENUE SUITE 1400 BIRMINGHAM, AL 35203 | UNUM INSURANCE COMPANY | $231K | — | $231K | 9.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6967 S RIVER GATE DRIVE MIDVALE, UT 84047 | UNUM INSURANCE COMPANY | $123K | — | $123K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF ROAD ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | — | $60K | $60K | 2.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2000 MORRIS AVENUE SUITE 1400 BIRMINGHAM, AL 35203 | UNUM INSURANCE COMPANY | $127K | — | $127K | 10.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | UNUM INSURANCE COMPANY | $121K | — | $121K | 10.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6967 S RIVER GATE DRIVE MIDVALE, UT 84047 | UNUM INSURANCE COMPANY | $60K | — | $60K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF ROAD ROLLING MEADOWS, IA 60008 | UNUM INSURANCE COMPANY | — | $31K | $31K | 2.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | DBA CBA 2000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $151K | — | $151K | 20.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | OF CHARLOTTE NC PO BOX 95287 CHICAGO, IL 60694 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $94K | — | $94K | 12.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF ROAD ROLLING MEADOWS, IL 60008 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $39K | $39K | 5.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | BEN ADMIN 6967 S RIVER GATE DRIVE, SUITE 200 MIDVALE, UT 84047 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $37K | — | $37K | 5.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 4250 CONGRESS STREET SUITE 200 CHARLOTTE, NC 28209 | MEDICAL AIR SERVICES ASSOCIATION OF FLORIDA | $96K | — | $96K | 15.11% |
| THE PATTERSON INSURANCE GROUP3 | P.O. BOX 89 1402-B HIGHWAY 72 WEST GREENWOOD, SC 29468 | COMBINED INSURANCE COMPANY | $94K | — | $94K | 16.60% |
| INSURANCE ADVANTAGE AGENCY LLC3 Filed as: INSURANCE ADVANTAGE LLC | 7600 PARKLAWN AVENUE SUITE 350 EDINA, MN 55435 | COMBINED INSURANCE COMPANY | $46K | — | $46K | 8.16% |
| RICHARD R JONES JR3 | 402 HYATT STREET GAFFNEY, SC 293412524 | COMBINED INSURANCE COMPANY | $37K | — | $37K | 6.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 95287 CHICAGO, IL 60694 | METLIFE LEGAL PLANS | $81K | $106 | $81K | 15.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC. | 181 EAST 5600 SOUTH SUITE 240 SALT LAKE CITY, UT 84107 | METLIFE LEGAL PLANS | — | $7K | $7K | 1.26% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | STANDARD INSURANCE COMPANY | $321 | — | $321 | 9.61% |
| AON CONSULTING INC3 | 29849 NETWORK PLACE CHICAGO, IL 60673 | STANDARD INSURANCE COMPANY | $195 | — | $195 | 8.49% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | STANDARD INSURANCE COMPANY | $136 | — | $136 | 8.52% |
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 | 21,951 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 205 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 22,156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 18,621 | $4.3M |
| Life insurance(5 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 26,021 | $12.6M |
| Short-term disability(3 contracts) | STANDARD INSURANCE COMPANY | 21,384 | $11.8M |
| Long-term disability(3 contracts) | STANDARD INSURANCE COMPANY | 25,034 | $11.4M |
| Other(8 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 26,021 | $18.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 26,021 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.