| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYNES FULL CIRCLE BENEFITS LLC3 | 304 N MAIN ST LANCASTER, SC 29720 | UNITED OF OMAHA LIFE INSURANCE COMPANY - DENTAL | $7K | — | $7K | 10.00% |
| CYPRESS BENEFIT ADMINISTRATORS, LLC5 | 5560 W. GRANDE MARKET DRIVE APPLETON, WI 54913 | HCC LIFE INSURANCE CO | — | $36K | $36K | 288.28% |
| HAYNES FULL CIRCLE BENEFITS LLC3 Filed as: HAYNES FULL CIRCLE BENEFITS | PO BOX 863 LANCASTER, SC 29721 | HCC LIFE INSURANCE CO | — | $35K | $35K | 281.58% |
| CIGNA Filed as: CONNECTICUT GENERAL | PO BOX 645014 CINCINNATI, OH 452645014 | HCC LIFE INSURANCE CO | — | $25K | $25K | 204.49% |
| AULT TYLER Filed as: AULT INTERNATIONAL | 1491 POLARIS PKWY COLUMBUS, OH 43240 | HCC LIFE INSURANCE CO | — | $14K | $14K | 113.73% |
| BENEZON | 8699 EXETER PLACE MAINEVILLE, OH 45039 | HCC LIFE INSURANCE CO | — | $10K | $10K | 79.74% |
| HAYNES FULL CIRCLE BENEFITS LLC3 | 304 N MAIN STREET LANCASTER, SC 29720 | UNITED OF OMAHA LIFE INSURANCE COMPANY - VISION | $1K | — | $1K | 12.00% |
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT GRP INC | 1600 ST JULIAN PLACE COLUMBIA, SC 29204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $318 | — | $318 | 20.16% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 2.28% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DR LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 1.08% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EAST COAST UNDERWRITERS | 124 | $321K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY - DENTAL | 106 | $67K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY - VISION | 81 | $9K |
| Prescription drug | EAST COAST UNDERWRITERS | 124 | $320K |
| Other | HCC LIFE INSURANCE CO | 124 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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.
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.