| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 1750 EAST GOLF ROAD SCHAUMBURG, IL 60173 | QUARTZ HEALTH BENEFIT PLANS CORPORATION | $15K | — | $15K | 2.86% |
| ASSURANCE AGENCY LTD3 | 1750 EAST GOLF ROAD SUITE 1100 SCHAUMBERG, IL 60173 | AMERITAS LIFE INSURANCE CORP. | $77K | — | $77K | 15.00% |
| BESVINICK, MITCHELL, HENRY3 | 1280 BRIGHTON WAY NEWTOWN SQ, PA 19073 | AMERITAS LIFE INSURANCE CORP. | $26K | — | $26K | 5.00% |
| PAUL STANLEY JR3 | 5264 INTERNATIONAL BOULEVARD NORTH CHARLESTON, SC 29418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17K | $16K | $34K | 33.23% |
| ASSURANCE AGENCY LTD3 | 1750 EAST GOLF ROAD SCHAUMBURG, IL 60173 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27K | $3K | $30K | 29.03% |
| ADVANCE BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $4K | $7K | 6.65% |
| MITCHELL H BESVINICK3 | 1280 BRIGHTON WAY NEWTOWN SQUARE, PA 19073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 4.72% |
| CHRSTINE L COURTNEY3 | 333 WEEKSRIDGE LANE MONCKS CORNER, SC 29461 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 4.59% |
| BETH JOAN MITCHELL3 | 5264 INTERNATIONAL BOULEVARD NORTH CHARLESTON, SC 29418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $648 | $2K | 1.63% |
| ASSURANCE AGENCY LTD3 | 1750 EAST GOLF ROAD SUITE 1100 SCHAUMBURG, IL 60173 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | — | $14K | 13.94% |
| MITCHELL H BESVINICK3 | 1280 BRIGHTON WAY NEWTON SQUARE, PA 19073 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 3.06% |
| ASSURANCE AGENCY LTD3 | 1750 EAST GOLF ROAD SUITE 1100 SCHAUMBURG, IL 60173 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | — | $13K | 13.94% |
| MITCHELL H BESVINICK3 | 1280 BRIGHTON WAY NEWTOWN SQUARE, PA 19073 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 3.06% |
| ASSURANCE AGENCY LTD3 | 1750 EAST GOLF ROAD SUITE 1100 SCHAUMBURG, IL 60173 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 13.94% |
| MITCHELL H BESVINICK3 | 1280 BRIGHTON WAY NEWTOWN SQUARE, PA 19073 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.06% |
| ASSURANCE AGENCY LTD3 | 1750 EAST GOLF ROAD SUITE 1100 SCHAUMBURG, IL 60173 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 13.94% |
| MITCHELL H BESVINICK3 | 1280 BRIGHTON WAY NEWTOWN SQUARE, PA 19073 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.06% |
| ASSURANCE AGENCY LTD3 | 1750 EAST GOLF ROAD SCHAUMBURG, IL 60173 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $918 | $10K | 29.83% |
| PAUL STANLEY JR3 | 5264 INTERNATIONAL BOULEVARD NORTH CHARLESTON, SC 29418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $4K | $7K | 21.48% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $865 | $1K | $2K | 6.16% |
| MITCHELL H BESVINICK3 | 1280 BRIGHTON WAY NEWTOWN SQUARE, PA 19073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 4.75% |
| CHRISTINE L COURTNEY3 | 333 WEEKSRIDGE LANE MONCKS CORNER, SC 29461 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $561 | $2K | 4.75% |
| BETH JOAN MITCHELL3 | 5264 INTERNATIONAL BOULEVARD NORTH CHARLESTON, SC 29418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $354 | $226 | $580 | 1.70% |
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 | 837 | 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) | 837 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 99 | $537K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 837 | $515K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 837 | $515K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 707 | $130K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 251 | $53K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 264 | $100K |
| Other(4 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 707 | $267K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 837 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.