| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 7515 NORTHSIDE DR. STE 150 N. CHARLESTON, SC 29420 | STARMOUNT LIFE INSURANCE COMPANY | $16K | $2K | $18K | 9.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 3700 FOREST DRIVE SUITE 300 COLUMBIA, SC 29204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $771 | $14K | 15.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 3700 FOREST DRIVE SUITE 300 COLUMBIA, SC 29204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $463 | $14K | 25.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 3700 FOREST DRIVE SUITE 300 COLUMBIA, SC 29204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $387 | $9K | 20.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 7515 NORTHSIDE DR. STE 150 N. CHARLESTON, SC 29420 | UNUM INSURANCE COMPANY | $7K | $307 | $7K | 20.92% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | 3700 FOREST DRIVE SUITE 300 COLUMBIA, SC 29204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 14.01% |
| WARD FINANCIAL SERVICES INC3 Filed as: WARD FINANCIAL SERVICES INC. | 4500 FT. JACKSON BLVD. STE 350 COLUMBIA, SC 29209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $372 | — | $372 | 1.87% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: HUTSON ETHERREDGE BROWN INC. | 129 PARK AVE SW AIKEN, SC 29801 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $212 | — | $212 | 1.06% |
| JAMES W WARD3 | 4500 FT. JACKSON BLVD. 3RD FLOOR COLUMBIA, SC 29209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 0.28% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 7515 NORTHSIDE DR. STE 150 N. CHARLESTON, SC 29420 | UNUM INSURANCE COMPANY | $4K | $195 | $4K | 21.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 7515 NORTHSIDE DR. STE 150 N. CHARLESTON, SC 29420 | UNUM INSURANCE COMPANY | $2K | $114 | $2K | 21.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: HUTSON ETHERREDGE BROWN INC. | 129 PARK AVE SW AIKEN, SC 29801 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $39 | — | $39 | 2.26% |
| WARD FINANCIAL SERVICES INC3 Filed as: WARD FINANCIAL SERVICES INC. | 4500 FT. JACKSON BLVD. STE 350 COLUMBIA, SC 29209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7 | — | $7 | 0.41% |
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 | 241 | 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) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 201 | $178K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 201 | $178K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 241 | $167K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 72 | $46K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 241 | $91K |
| Other(6 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 241 | $211K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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.