| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C & K BENEFITS LLC3 | 106 RENAISSANCE CIRCLE MAULDIN, SC 29662 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 7.83% |
| GENAE K LANCASTER3 | 104 CRESCENT CIRCLE FOUNTAIN INN, SC 29644 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.33% |
| TONYA LANCASTER3 | 1090 HERSHEY DRIVE SOUTHEAST MARIETTA, GA 30062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $452 | — | $452 | 1.37% |
| SELECT BNFT SOLUTION LLC3 | PO BOX 1370 MT PLEASANT, SC 29465 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31 | — | $31 | 0.09% |
| BENEFIT CONTROLS OF SC, INC.3 Filed as: BENEFIT CONTROLS OF SC INC | PO BOX 6608 GREENVILLE, SC 29606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | — | $25 | 0.08% |
| C & K BENEFITS LLC3 | 106 RENAISSANCE CIRCLE MAULDIN, SC 29662 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 17.78% |
| GENAE K LANCASTER3 | 104 CRESCENT CIRCLE FOUNTAIN INN, SC 29644 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $292 | — | $292 | 1.59% |
| TONYA LANCASTER3 | 1090 HERSHEY DRIVE SOUTHEAST MARIETTA, GA 30062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $281 | — | $281 | 1.53% |
| SELECT BNFT SOLUTION LLC3 | PO BOX 1370 MT PLEASANT, SC 29465 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| C & K BENEFITS LLC3 | 106 RENAISSANCE CIRCLE MAULDIN, SC 29662 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 11.52% |
| GENAE K LANCASTER3 | 104 CRESCENT CIRCLE FOUNTAIN INN, SC 29644 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $701 | — | $701 | 4.12% |
| TONYA LANCASTER3 | 1090 HERSHEY DRIVE SOUTHEAST MARIETTA, GA 30062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $151 | — | $151 | 0.89% |
| BENEFIT CONTROLS OF SC, INC.3 Filed as: BENEFIT CONTROLS OF SC INC | PO BOX 6608 GREENVILLE, SC 29606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31 | — | $31 | 0.18% |
| SELECT BNFT SOLUTION LLC3 | PO BOX 1370 MT PLEASANT, SC 29465 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.06% |
| C & K BENEFITS LLC3 | 106 RENAISSANCE CIRCLE MAULDIN, SC 29662 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 9.73% |
| TONYA LANCASTER3 | 1090 HERSHEY DRIVE SOUTHEAST MARIETTA, GA 30062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $216 | — | $216 | 1.94% |
| C & K BENEFITS LLC3 | 106 RENAISSANCE CIRCLE MAULDIN, SC 29662 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 16.71% |
| TONYA LANCASTER3 | 1090 HERSHEY DRIVE SOUTHEAST MARIETTA, GA 30062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $94 | — | $94 | 1.55% |
| C & K BENEFITS LLC3 | 106 RENAISSANCE CIRCLE MAULDIN, SC 29662 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $992 | — | $992 | 19.78% |
| TONYA LANCASTER3 | 1090 HERSHEY DRIVE SOUTHEAST MARIETTA, GA 30062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $77 | — | $77 | 1.54% |
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 | 173 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 174 | $79K |
| Long-term disability | STANDARD INSURANCE COMPANY | 174 | $40K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 150 | $626K |
| Other(7 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 174 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.