| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LONGLEAF ADVISORS, INC.3 | 171 LOTT COURT WEST COLUMBIA, SC 29169 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| LONGLEAF ADVISORS, INC.3 | 171 LOTT COURT WEST COLUMBIA, SC 29169 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $43K | $0 | $43K | 8.94% |
| LONGLEAF ADVISORS, INC.3 | 171 LOTT COURT WEST COLUMBIA, SC 29169 | STANDARD INSURANCE COMPANY | $19K | $2K | $22K | 16.79% |
| AMICK, BAHNMULLER & ASSOCIATES, INC3 | P.O. BOX 88 LEXINGTON, SC 29071 | PHYSICIANS EYECARE PLAN | $13K | $0 | $13K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LONGLEAF ADVISORS, INC. EIN 82-1197679 INSURANCE BROKER | Insurance agents and brokers Service code 22 | 171 LOTT COURT WEST COLUMBIA, SC 29169 | $135K |
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 CONTRACT/CLAIMS ADMIN. | Contract Administrator Service code 13 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $88K |
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 | 280 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 394 | $484K |
| Vision | PHYSICIANS EYECARE PLAN | 405 | $126K |
| Long-term disability | STANDARD INSURANCE COMPANY | 299 | $128K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 321 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 405 | — |
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.