| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | ONE COMMERCE SQUARE, SUITE 820 2005 MARKET STREET PHILADELPHIA, PA 19103 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $8K | $8K | 2.31% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $553 | $553 | 0.16% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $176 | $176 | 0.05% |
| JOHNNY C HUNEYCUTT3 Filed as: JOHNNY C. HUNEYCUTT | PO BOX 520 BADIN, NC 28009 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | $0 | $10K | 7.01% |
| ROBERT E LOWDER3 Filed as: ROBERT E. LOWDER | 9747 PINE TREE ROAD NORWOOD, NC 28128 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 3.82% |
| JOHNNY C HUNEYCUTT3 Filed as: JOHNNY C. HUNNEYCUTT | PO BOX 520 BADIN, NC 28009 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 8.23% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $26 | $1K | 6.44% |
| ROBERT E LOWDER3 Filed as: ROBERT E. LOWDER | 9747 PINE TREE ROAD NORWOOD, NC 28128 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $887 | $0 | $887 | 5.49% |
| CONSOLIDATED PLANNING HOLDINGS3 | UNKNOWN SPARTANBURG, SC 29306 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22 | — | $22 | 0.14% |
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 | 810 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 810 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 1,397 | $594K |
| Vision | VISION SERVICE PLAN | 303 | $29K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 879 | $488K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 879 | $350K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 879 | $504K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,397 | — |
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.