| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH ZEZZA3 Filed as: JOSEPH SHAUB | 109 LIPSCOMBE LANE COLUMBIA, SC 29229 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $55K | — | $55K | 5.81% |
| THOMPKINS INS AGENCIES INC.3 Filed as: THOMPKINS INSURANCE AGENCIES, INC. | 90 MAIN STREET BATAVIA, NY 14020 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $5K | — | $5K | 2.29% |
| ALPHA BENEFITS GROUP INC3 Filed as: ALPHA BENEFITS GROUP, INC. | 125 E. ELM STREET SUITE 210 CONSHOHOCKEN, PA 19428 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $22K | — | $22K | 26.67% |
| ALPHA BENEFITS GROUP INC3 Filed as: ALPHA BENEFITS GROUP, INC. | 125 E. ELM STREET SUITE 210 CONSHOHOCKEN, PA 19428 | UNION SECURITY INSURANCE COMPANY | $10K | — | $10K | 19.86% |
| THE ABACUS GROUP LLC3 | 2541 LAFAYETTE PLAZA DRIVE ALBANY, GA 31707 | UNION SECURITY INSURANCE COMPANY | $8K | — | $8K | 15.70% |
| DISABILITY RMS5 Filed as: DISABILITY RMS, INC. | ONE RIVERFRONT PLAZA WESTBROOK, ME 040929700 | UNION SECURITY INSURANCE COMPANY | — | $2K | $2K | 4.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS PERRIN FOSTER & CROSBY, INC. | MELLON BANK CENTER 1735 MARKET STREET PHILADELPHIA, PA 191037501 | UNION SECURITY INSURANCE COMPANY | — | $745 | $745 | 1.50% |
| THE ABACUS GROUP LLC3 Filed as: THE ABACUS GROUP, LLC | 252 HARVEY LAKE BLVD. KNOXVILLE, TN 37923 | UNION SECURITY INSURANCE COMPANY | — | $417 | $417 | 0.84% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES, INC. | 1240 BROADCASTING ROAD PO BOX 6707 WYOMISSING, PA 19610 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.73% |
| ALPHA BENEFITS GROUP INC3 Filed as: ALPHA BENEFITS GROUP, INC. | 125 E. ELM STREET SUITE 210 CONSHOHOCKEN, PA 19428 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 26.14% |
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 | 362 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 362 | 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 | 138 | $1.3M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 138 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 362 | $103K |
| Short-term disability(2 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 352 | $131K |
| Prescription drug(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 138 | $1.3M |
| Other | BLUE CROSS BLUE SHIELD OF ALABAMA | 49 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 362 | — |
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.