| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4250 CONGRESS STREET, SUITE 200 CHARLOTTE, NC 28209 | CONTINENTAL AMERICAN INSURANCE COMPANY | $919K | $0 | $919K | 11.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 32503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $719K | $0 | $719K | 9.08% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION, LLC | 4400 PARK ROAD, SUITE 311 CHARLOTTE, NC 28209 | CONTINENTAL AMERICAN INSURANCE COMPANY | $718K | $0 | $718K | 9.07% |
| TERRI M. CAMPBELL AND OTHER AGENTS3 | 210 WYATT ROAD EASLEY, SC 29642 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21K | $0 | $21K | 0.26% |
| EXSEPTIONAL SERVICES INC3 Filed as: EXSEPTIONAL SERVICES, INC. | 158 PRINTERS LANE NEW LONDON, NC 28127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | $0 | $11K | 0.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 0.11% |
| RADFORD DAY3 | 186 HOMESTEAD DRIVE EASLEY, SC 29640 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 0.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | VISION SERVICE PLAN | $335K | $0 | $335K | 9.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | METLIFE LEGAL PLANS | $26K | $0 | $26K | 10.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD 6TH FLOOR GLENDALE, CA 91203 | METLIFE LEGAL PLANS | $0 | $3K | $3K | 1.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1111 SUPERIOR AVENUE EAST SUITE 1601 CLEVELAND, OH 44114 | METLIFE LEGAL PLANS | $0 | $13 | $13 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $3K | $888 | $4K | 10.67% |
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 | 25,140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 281 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 25,421 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 17,221 | $3.7M |
| Life insurance(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 22,570 | $8.0M |
| Short-term disability | STANDARD INSURANCE COMPANY | 47 | $36K |
| Long-term disability | STANDARD INSURANCE COMPANY | 47 | $36K |
| Other(4 contracts, 4 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 25,140 | $8.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 25,140 | — |
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.
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.