| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $7K | — | $7K | 8.17% |
| WARD FINANCIAL SERVICES INC3 | STE 350 4500 FT JACKSON BLVD COLUMBIA, SC 29209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $240 | $5K | 8.04% |
| 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 | $2K | — | $2K | 3.53% |
| 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 | $6K | — | $6K | 15.00% |
| WARD FINANCIAL SERVICES INC3 | STE 350 4500 FT JACKSON BLVD COLUMBIA, SC 29209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $106 | $1K | 5.55% |
| WARD FINANCIAL SERVICES INC3 Filed as: WARD, JAMES W | 4500 FT JACKSON BLVD 3RD FLOOR COLUMBIA, SC 29209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $694 | — | $694 | 3.15% |
| 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 | $577 | — | $577 | 2.62% |
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 | 239 | 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) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 237 | $150K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 237 | $87K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 237 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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.