| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BENEFIT COMPANY INC3 | P.O. BOX 211486 COLUMBIA, SC 29221 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $38K | — | $38K | 2.88% |
| MICHELLE GLOWACKI3 | 108 WHARTON LANE MEDIA, PA 19063 | AMERICAN HERITAGE LIFE INS CO | $21K | — | $21K | 23.79% |
| LOVE INSURANCE AND FINANCIAL SERVIC3 | 100 PARKRIDGE DRIVE COLUMBIA, SC 29229 | AMERICAN HERITAGE LIFE INS CO | $12K | — | $12K | 13.25% |
| AARON THOMAS SHEALY3 | 10628 BROAD RIVER ROAD, STE A IRMO, SC 29063 | AMERICAN HERITAGE LIFE INS CO | $1K | — | $1K | 1.24% |
| THE BENEFIT COMPANY INC3 | P.O. BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INS CO | $588 | — | $588 | 0.65% |
| THE BENEFIT COMPANY INC3 | 3800 FERNANDINA ROAD STE 200 COLUMBIA, SC 29221 | GUARDIAN LIFE INS CO OF AMERICA | $3K | — | $3K | 5.29% |
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 | 150 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 133 | $1.4M |
| Dental | GUARDIAN LIFE INS CO OF AMERICA | 96 | $53K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 133 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.