| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH ZEZZA3 Filed as: JOSEPH SCHAUB | 109 LIPSCOMBE LANE COLUMBIA, SC 29229 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $46K | — | $46K | 6.15% |
| THOMPKINS INS AGENCIES INC.3 Filed as: THOMPKINS INSURANCE AGENCIES INC. | 90 MAIN STREET BATAVIA, NY 14020 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $7K | — | $7K | 2.77% |
| ALPHA BENEFITS GROUP INC3 Filed as: ALPHA BENEFITS GROUP | 450 S. GRAVERS ROAD SUITE 200 PLYMOUTH MEETING, PA 19462 | BOSTON MUTUAL INSURANCE COMPANY | $14K | — | $14K | 21.25% |
| ALPHA BENEFITS GROUP INC3 Filed as: ALPHA BENEFITS GROUP | 450 S. GRAVERS ROAD PLYMOUTH MEETING, PA 19462 | UNION SECURITY INSURANCE CO. | $10K | — | $10K | 18.87% |
| THE ABACUS GROUP LLC3 | 2541 LAFAYETTE PLAZA DRIVE ALBANY, GA 31707 | UNION SECURITY INSURANCE CO. | $8K | — | $8K | 15.74% |
| DISABILITY RMS5 Filed as: DISABILITY RMS, INC. | ONE RIVERFRONT PLAZA WESTBROOK, ME 040929700 | UNION SECURITY INSURANCE CO. | — | $2K | $2K | 4.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS PERRIN FORSTER & CROSBY, INC | MELLON BANK CENTER 1735 MARKET STREET PHILADELPHIA, PA 191037501 | UNION SECURITY INSURANCE CO. | — | $790 | $790 | 1.50% |
| THE ABACUS GROUP LLC3 | 252 HARRY LANE BLVD SUITE 100 KNOXVILLE, TN 37923 | UNION SECURITY INSURANCE CO. | — | $505 | $505 | 0.96% |
| THOMPKINS INS AGENCIES INC.3 Filed as: THOMPKINS INSURANCE AGENCIES INC. | PO BOX 6707 1240 BROADCASTING ROAD WYOMISSING, PA 19610 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $3K | $849 | $3K | 16.30% |
| ALPHA BENEFITS GROUP INC3 Filed as: ALPHA BENEFITS GROUP | 450 S. GRAVERS ROAD PLYMOUTH MEETING, PA 19462 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 8.73% |
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 | 383 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 383 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 230 | $1.1M |
| Dental | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 230 | $751K |
| Life insurance(2 contracts, 2 carriers) | BOSTON MUTUAL INSURANCE COMPANY | 383 | $89K |
| Short-term disability(2 contracts, 2 carriers) | BOSTON MUTUAL INSURANCE COMPANY | 312 | $121K |
| Prescription drug(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 230 | $1.1M |
| Other | BLUE CROSS BLUE SHIELD OF ALABAMA | 38 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 383 | — |
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.