| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT GUARANTY LLC3 | 606 COX STREET SIMPSONVILLE, SC 29681 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $86K | — | $86K | 20.33% |
| SOUTHEAST INSURANCE GROUP INC3 Filed as: SOUTHEAST INSURANCE GROUP | 2340 HARDSCRABBLE ROAD COLUMBIA, SC 29223 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $13K | — | $13K | 2.98% |
| BENEFIT GUARANTY LLC3 | 725 LOWNDES HILL RD GREENVILLE, SC 29607 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | $607 | $22K | 19.51% |
| CWIBENEFITS INC3 Filed as: CWIBENEFITS INC. | PO BOX 6125 GREENVILLE, SC 29606 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 2.85% |
| BENEFIT GUARANTY LLC3 | 725 LOWNDES HILL RD GREENVILLEQ, SC 29607 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $173 | $3K | 20.57% |
| CWIBENEFITS INC3 Filed as: CWIBENEFITS INC. | PO BOX 6125 GREENVILLE, SC 29606 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $417 | $417 | 2.86% |
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 | 345 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 361 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 533 | $114K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 653 | $43K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 180 | $15K |
| Other(2 contracts, 2 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 480 | $440K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 653 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.