| 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 | $90K | — | $90K | 4.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4401 NORTHSIDE PARKWAY NW SUITE 800 ATLANTA, GA 30327 | GUARDIAN | $20K | $3K | $23K | 13.67% |
| 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 | — | $14K | $14K | 8.50% |
| PREPARE BENEFITS, LLC3 | 10524 MOSS PARK ROAD #204-306 ORLANDO, FL 32832 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $24K | — | $24K | 15.30% |
| 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 | $22K | — | $22K | 13.79% |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 309 | 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 | 258 | $168K |
| Vision | GUARDIAN | 258 | $168K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 309 | $325K |
| 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 | $325K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.