| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 0.82% |
| LANCASTER GENAE K3 Filed as: LANCASTER GANAE K | 104 CRESCENT CIRCLE FOUNTAIN INN, SC 29644 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 29.32% |
| SELECT BNFT SOLUTION LLC3 | PO BOX 1370 MT PLEASANT, SC 29465 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $78 | — | $78 | 0.24% |
| BENEFIT CONTROLS OF THE MIDLANDS3 Filed as: BENEFIT CONTROLS OF SC INC | PO BOX 6608 GREENVILLE, SC 29606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $59 | — | $59 | 0.18% |
| LANCASTER GENAE K3 | 104 CRESCENT CIRCLE FOUNTAIN INN, SC 29644 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 21.89% |
| SELECT BNFT SOLUTION LLC3 | PO BOX 1370 MT PLEASANT, SC 29465 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $67 | — | $67 | 0.28% |
| BENEFIT CONTROLS OF THE MIDLANDS3 Filed as: BENEFIT CONTROLS OF SC INC | PO BOX 6608 GREENVILLE, SC 29606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $64 | — | $64 | 0.27% |
| LANCASTER GENAE K3 | 104 CRESCENT CIRCLE FOUNTAIN INN, SC 29644 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 43.37% |
| SELECT BNFT SOLUTION LLC3 | PO BOX 1370 MT PLEASANT, SC 29465 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $43 | — | $43 | 0.29% |
| BENEFIT CONTROLS OF THE MIDLANDS3 Filed as: BENEFIT CONTROLS OF SC INC | PO BOX 6608 GREENVILLE, SC 29606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.09% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 115 | $72K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 115 | $72K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 95 | $282K |
| Other(4 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 115 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.