| 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 | $1.9M | $169K | $2.1M | 9.18% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GROUP INC. | PO BOX 117163 ATLANTA, GA 30368 | STANDARD INSURANCE COMPANY | $0 | $376K | $376K | 1.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $0 | $329K | $329K | 1.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $908K | $0 | $908K | 11.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4250 CONGRESS STREET, SUITE 200 CHARLOTTE, NC 28209 | CONTINENTAL AMERICAN INSURANCE COMPANY | $863K | $0 | $863K | 10.91% |
| IBENEFIT COMMUNICATION LLC3 | 4400 PARK ROAD, SUITE 311 CHARLOTTE, NC 28209 | CONTINENTAL AMERICAN INSURANCE COMPANY | $116K | $0 | $116K | 1.47% |
| MJ INSURANCE3 Filed as: JUSTIN M. GUIDI AND VARIOUS AGENTS | 1039 44TH AVENUE NORTH, SUITE 101 MYRTLE BEACH, SC 29577 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | $0 | $12K | 0.16% |
| ESI VENTURES, INC3 Filed as: ESI VENTURES, INC. | 158 PRINTER'S LANE NEW LONDON, NC 28127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 0.08% |
| RADFORD DAY3 | 186 HOMESTEAD DRIVE EASLEY, SC 29640 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 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 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $441K | $0 | $441K | 11.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | VISION SERVICE PLAN | $92K | $0 | $92K | 2.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METLIFE LEGAL PLANS | $25K | $0 | $25K | 7.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | METLIFE LEGAL PLANS | $8K | $0 | $8K | 2.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD 6TH FLOOR GLENDALE, CA 91203 | METLIFE LEGAL PLANS | $0 | $5K | $5K | 1.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1111 SUPERIOR AVENUE EAST SUITE 1601 CLEVELAND, OH 44114 | METLIFE LEGAL PLANS | $0 | $6 | $6 | 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 | 24,830 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 281 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 25,152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 17,913 | $4.0M |
| Life insurance(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 26,097 | $30.9M |
| Short-term disability | STANDARD INSURANCE COMPANY | 25,549 | $23.0M |
| Long-term disability | STANDARD INSURANCE COMPANY | 25,549 | $23.0M |
| Other(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 26,097 | $31.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 26,097 | — |
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.