| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN CAROLINA INSURANCE, INC.3 | 213 THREE BRIDGES ROAD GREENVILLE, SC 29611 | UNITEDHEALTHCARE INSURANCE COMPANY | $46K | $0 | $46K | 7.37% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP, LLC | 1439 STUART ENGALS BOULEVARD UNIT 300 MOUNT PLEASANT, SC 29464 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $0 | $8K | 1.22% |
| CHEREE A. MOODY3 | UNKNOWN YADKINVILLE, NC 27055 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | $0 | $22K | 14.25% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP, LLC | 1439 STUART ENGALS BOULEVARD SUITE 300 MOUNT PLEASANT, SC 29464 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $586 | $5K | $5K | 3.41% |
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 | 123 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 141 | $623K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $153K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $153K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $153K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 141 | $623K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.