| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WARD FINANCIAL SERVICES INC3 Filed as: WARD FINANCIAL SERVCIES INC | 4500 FORT JACKSON BOULEVARD SUITE 350 COLUMBIA, SC 29209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $147 | $5K | 8.88% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: HUTSON ETHERREDGE BROWN INC | 129 PARK AVENUE SOUTHWEST AIKEN, SC 29801 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.79% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | 3700 FOREST DRIVE 300 COLUMBIA, SC 29204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $345 | — | $345 | 0.62% |
| WARD FINANCIAL SERVICES INC3 | 4500 FORT JACKSON BOULEVARD SUITE 350 COLUMBIA, SC 29209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $59 | $2K | 8.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: HUTSON ETHERREDGE BROWN INC | 129 PARK AVENUE SOUTHWEST AIKEN, SC 29801 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $840 | — | $840 | 3.78% |
| WARD FINANCIAL SERVICES INC3 Filed as: WARD, JAMES W | 4500 FORT JACKSON BOULEVARD 3RD FLOOR COLUMBIA, SC 29209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $554 | — | $554 | 2.49% |
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 |
|---|---|---|---|
| Life insurance | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 116 | $22K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 178 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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."
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.