| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CONTINENTAL AMERICAN INSURANCE COMPANY | $858K | $131K | $990K | 7.64% |
| AON CONSULTING INC3 | 29849 NETWORK PLACE CHICAGO, IL 60673 | SECURIAN LIFE INSURANCE COMPANY | $657K | $168K | $825K | 10.67% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $427K | — | $427K | 9.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | VISION SERVICE PLAN | $4K | — | $4K | 0.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 SUITE 200 B CHICAGO, SC 60694 | UNUM INSURANCE COMPANY | $278K | — | $278K | 10.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2000 MORRIS AVENUE SUITE 1400 BIRMINGHAM, SC 35203 | UNUM INSURANCE COMPANY | $213K | — | $213K | 7.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6967 S RIVER GATE DRIVE SUITE 1400 MIDVALE, SC 84047 | UNUM INSURANCE COMPANY | $139K | — | $139K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 W GOLF ROAD SUITE 200 B ROLLING MEADOWS, SC 60008 | UNUM INSURANCE COMPANY | — | $70K | $70K | 2.52% |
| SAGS JOINT VENTURE3 | 5264 INTERNATIONAL BOULEVARD SUITE 200 B NORTH CHARLESTON, SC 29418 | UNUM INSURANCE COMPANY | — | $4K | $4K | 0.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC. | PO BOX 95287 SUITE 200 B CHICAGO, SC 60694 | UNUM INSURANCE COMPANY | $269K | — | $269K | 10.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2000 MORRIS AVENUE SUITE 1400 BIRMINGHAM, SC 35203 | UNUM INSURANCE COMPANY | $229K | — | $229K | 8.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6967 S RIVER GATE DRIVE SUITE 200 B MIDVALE, SC 84047 | UNUM INSURANCE COMPANY | $134K | — | $134K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF ROAD SUITE 200 B ROLLING MEADOWS, SC 60008 | UNUM INSURANCE COMPANY | — | $73K | $73K | 2.72% |
| SAGS JOINT VENTURE3 | 5264 INTERNATIONAL BOULEVARD SUITE 200 B NORTH CHARLESTON, SC 29418 | UNUM INSURANCE COMPANY | — | $3K | $3K | 0.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | UNUM INSURANCE COMPANY | $114K | — | $114K | 8.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2000 MORRIS AVENUE SUITE 1400 BIRMINGHAM, AL 35203 | UNUM INSURANCE COMPANY | $102K | — | $102K | 7.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6967 S RIVER GATE DRIVE MIDVALE, UT 84047 | UNUM INSURANCE COMPANY | $57K | — | $57K | 4.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF ROAD ROLLING MEADOWS, IA 60008 | UNUM INSURANCE COMPANY | — | $32K | $32K | 2.37% |
| SAGS JOINT VENTURE3 | 5264 INTERNATIONAL BOULEVARD SUITE 200 B NORTH CHARLESTON, SC 29418 | UNUM INSURANCE COMPANY | — | $2K | $2K | 0.12% |
| THE PATTERSON INSURANCE GROUP3 | P.O. BOX 89 1402-B HIGHWAY 72 WEST GREENWOOD, SC 29468 | COMBINED INSURANCE COMPANY | $88K | — | $88K | 13.47% |
| INSURANCE ADVANTAGE AGENCY LLC3 Filed as: INSURANCE ADVANTAGE LLC | 7600 PARKLAWN AVENUE SUITE 350 EDINA, MN 55435 | COMBINED INSURANCE COMPANY | $44K | — | $44K | 6.71% |
| RICHARD R JONES JR3 | 402 HYATT STREET GAFFNEY, SC 293412524 | COMBINED INSURANCE COMPANY | $34K | — | $34K | 5.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 4250 CONGRESS STREET SUITE 200 CHARLOTTE, NC 28209 | MEDICAL AIR SERVICES ASSOCIATION, INC | $95K | — | $95K | 15.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 95287 CHICAGO, IL 60694 | METLIFE LEGAL PLANS | $57K | — | $57K | 9.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC. | 35 WATERVIEW BOULEVARD SUITE 300 PARSIPPANY, NJ 07054 | METLIFE LEGAL PLANS | — | $9K | $9K | 1.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: AJ GALLAGHER & ASSOCIATES | 181 EAST 5600 SOUTH SUITE 240 SALT LAKE CITY, UT 84107 | METLIFE LEGAL PLANS | — | $63 | $63 | 0.01% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | SECURIAN LIFE INSURANCE COMPANY | $14K | $4K | $17K | 10.67% |
| 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 | $98K | — | $98K | — |
| 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 | $93K | — | $93K | — |
| 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 | $39K | — | $39K | — |
| 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 | — | $21K | $21K | — |
| SAGS JOINT VENTURE3 | 5264 INTERNATIONAL BOULEVARD SUITE 200 B NORTH CHARLESTON, SC 29418 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $1K | $1K | — |
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 | 23,940 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 163 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 24,103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 20,660 | $4.7M |
| Life insurance(4 contracts, 3 carriers) | SECURIAN LIFE INSURANCE COMPANY | 34,549 | $8.5M |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 25,232 | $13.0M |
| Long-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 25,232 | $13.0M |
| Other(7 contracts, 4 carriers) | SECURIAN LIFE INSURANCE COMPANY | 34,549 | $15.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 34,549 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.