| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHELLE GLOWACKI3 | 569 BUCKVIEW LANE ELGIN, SC 29045 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 10.91% |
| STEVEN PRICE3 | 2759 ROSEWOOD DRIVE COLUMBIA, SC 29205 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 3.80% |
| THE PATTERSON INSURANCE GROUP3 | PO BOX 89 GREENWOOD, SC 29648 | COMBINED INSURANCE | $3K | — | $3K | 3.29% |
| INSURANCE ADVANTAGE AGENCY LLC3 Filed as: INSURANCE ADVANTAGE, LLC. | 540 MEETING ST WEST COLUMBIA, SC 29169 | COMBINED INSURANCE | $1K | — | $1K | 1.29% |
| JAY PETTAPIECE3 | 109 SEA HARBOUR WAY SIMPSONVILLE, SC 29681 | COMBINED INSURANCE | $32 | — | $32 | 0.04% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES,LLC. | PO BOX 62819 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 11.22% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 27149 GREENVILLE, SC 29616 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $5K | 7.72% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62819 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 11.30% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 27149 GREENVILLE, SC 29616 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $5K | 7.78% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE, LLC | PO BOX 896620 CHARLOTTE, NC 28299 | COMMUNITY EYE CARE | $479 | — | $479 | 10.00% |
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 | 191 | 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) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | COMMUNITY EYE CARE | 265 | $5K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 100 | $59K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 284 | $59K |
| Other(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 158 | $217K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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.