| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 333 EAST OSBORN ROAD, SUITE 270 PHOENIX, AZ 85012 | STANDARD INSURANCE COMPANY | $1.7M | $140K | $1.9M | 9.01% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GROUP INC. | PO BOX 117163 ATLANTA, GA 30368 | STANDARD INSURANCE COMPANY | $0 | $282K | $282K | 1.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $0 | $261K | $261K | 1.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4250 CONGRESS STREET, SUITE 200 CHARLOTTE, NC 28209 | CONTINENTAL AMERICAN INSURANCE COMPANY | $498K | $0 | $498K | 6.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $491K | $0 | $491K | 6.63% |
| IBENEFIT COMMUNICATION LLC3 | 4400 PARK ROAD, SUITE 311 CHARLOTTE, NC 28209 | CONTINENTAL AMERICAN INSURANCE COMPANY | $93K | $0 | $93K | 1.25% |
| MJ INSURANCE3 Filed as: JOHN D. TYLER AND VARIOUS AGENTS | UNKNOWN GREENVILLE, SC 29601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17K | $0 | $17K | 0.23% |
| TRION GROUP, INC.3 Filed as: TRION GROUP | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 0.06% |
| EXSEPTIONAL SERVICES INC3 Filed as: EXSEPTIONAL SERVICES INC. | 158 PRINTERS LANE NEW LONDON, NC 28127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 0.06% |
| TERESA M CAMPBELL3 Filed as: TERESA M. CAMPBELL | 210 WYATT ROAD EASLEY, SC 29642 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | VISION SERVICE PLAN | $332K | $0 | $332K | 9.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, CA 60008 | METLIFE LEGAL PLANS | $28K | $54 | $29K | 10.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD 6TH FLOOR GLENDALE, CA 91203 | METLIFE LEGAL PLANS | $0 | $4K | $4K | 1.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1111 SUPERIOR AVENUE EAST SUITE 1601 CLEVELAND, OH 44114 | METLIFE LEGAL PLANS | $0 | $4 | $4 | 0.00% |
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 | 24,876 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 547 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,104 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 26,527 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 17,677 | $3.6M |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 24,876 | $28.3M |
| Short-term disability | STANDARD INSURANCE COMPANY | 24,876 | $20.9M |
| Long-term disability | STANDARD INSURANCE COMPANY | 24,876 | $20.9M |
| Other(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 24,876 | $28.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 24,876 | — |
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.