| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $579K | $29K | $608K | 8.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $0 | $71K | $71K | 1.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 4TH FLOOR ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $1K | $894 | $2K | 0.03% |
| PHILIP GOODRUM3 | 131 HILLSIDE AVENUE CHARLOTTE, NC 28209 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2.2M | $0 | $2.2M | 33.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4250 CONGRESS STREET, SUITE 200 CHARLOTTE, NC 28209 | CONTINENTAL AMERICAN INSURANCE COMPANY | $967K | $0 | $967K | 14.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | CONTINENTAL AMERICAN INSURANCE COMPANY | $196K | $0 | $196K | 3.01% |
| MJ INSURANCE3 Filed as: JUSTIN M. GUIDI AND VARIOUS AGENTS | 1039 44TH AVENUE NORTH, SUITE 101 MYRTLE BEACH, SC 29577 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42K | $0 | $42K | 0.64% |
| EXSEPTIONAL SERVICES INC3 Filed as: EXSEPTIONAL SERVICES, INC. | 158 PRINTERS LANE NEW LONDON, NC 28127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21K | $0 | $21K | 0.33% |
| RADFORD DAY3 | 186 HOMESTEAD DRIVE EASLEY, SC 29640 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | $0 | $15K | 0.23% |
| MICHELE B. JAIN3 | 4 RIVERSIDE DRIVE GREENVILLE, SC 29605 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 0.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | METLIFE LEGAL PLANS | $29K | $14K | $42K | 16.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METLIFE LEGAL PLANS | $0 | $3K | $3K | 1.14% |
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 | 26,899 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 162 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 27,061 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | PHYSICIANS EYECARE | 33,230 | $379K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 26,766 | $13.4M |
| Short-term disability | STANDARD INSURANCE COMPANY | 26,766 | $6.9M |
| Long-term disability | STANDARD INSURANCE COMPANY | 26,766 | $6.9M |
| Other(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 26,899 | $13.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 33,230 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.