| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENDEAVOR INSURANCE SERVICES, INC.3 | 218 TRADE ST., STE. G GREER, SC 29651 | UNITED HEALTHCARE INSURANCE COMPANY N | $45K | — | $45K | 5.14% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SC LLC | P.O. BOX 198 GREER, SC 29652 | AMERICAN UNITED LIFE INSURANCE COMPANY | $11K | — | $11K | 13.28% |
| ENDEAVOR INSURANCE SERVICES, INC.3 Filed as: ENDEAVOR INSURANCE SERVICES INC. | 218 TRADE ST., STE. G GREER, SC 29651 | DELTA DENTAL OF MISSOURI | $5K | — | $5K | 9.10% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SC LLC | P.O. BOX 198 GREER, SC 29652 | AMERICAN UNITED LIFE INSURANCE | $6K | — | $6K | 20.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SC LLC | P.O. BOX 198 GREER, SC 29652 | AMERICAN UNITED LIFE INSURANCE | $1K | — | $1K | 5.00% |
| ENDEAVOR INSURANCE SERVICES, INC.3 | 218 TRADE ST., STE. G GREER, SC 29651 | ADVANTICA REINSURANCE COMPANY | $776 | — | $776 | 8.33% |
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 | 165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY N | 110 | $870K |
| Dental | DELTA DENTAL OF MISSOURI | 168 | $51K |
| Vision | ADVANTICA REINSURANCE COMPANY | 180 | $9K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 165 | $84K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 165 | $112K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 165 | $108K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 165 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.