| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALPINE AGENCY, LLC3 | 8910 TWO NOTCH ROAD, SUITE 200 COLUMBIA, SC 29223 | BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA | $83K | — | $83K | 4.54% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 4401 NORTHSIDE PARKWAY NW SUITE 800 ATLANTA, GA 30327 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $23K | $10K | $33K | 19.76% |
| JENNINGS INSURANCE SERVICES5 | 10524 MOSS PARK ROAD ORLANDO, FL 32832 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $15K | $15K | 8.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4401 NORTHSIDE PARKWAY NW SUITE 800 ATLANTA, GA 30327 | GUARDIAN | $13K | $3K | $16K | 14.42% |
| JENNINGS INSURANCE SERVICES3 Filed as: JENNINGS INSURANCE SERVICES, INC. | 10524 MOSS PARK ROAD #204-306 ORLANDO, FL 32832 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $23K | — | $23K | 23.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: IRONWOOD, A MARSH & MCLENNAN AGENCY | 4401 NORTHSIDE PARKWAY NW SUITE 800 ATLANTA, GA 30327 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $10K | — | $10K | 9.91% |
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 | 309 | 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) | 310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA | 213 | $1.8M |
| Dental | GUARDIAN | 200 | $113K |
| Vision | GUARDIAN | 200 | $113K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 309 | $264K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 309 | $166K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 309 | $166K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 309 | $264K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.