| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENDEAVOR INSURANCE SERVICES, INC.3 Filed as: ENDEAVOR INSURANCE SERVICES INC | P.O. BOX 198 GREER, SC 29652 | UNITED HEALTHCARE INSURANCE COMPANY | $55K | — | $55K | 3.15% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SC, LLC | 218 TRADE STREET, SUITE G GREER, SC 29651 | UNITED HEALTHCARE INSURANCE COMPANY | $28K | $1K | $29K | 1.65% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SC LLC | 218 TRADE STREET, SUITE G GREER, SC 29651 | AMERICAN UNITED LIFE INSURANCE COMPANY | $23K | — | $23K | 14.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN UNITED LIFE INSURANCE COMPANY | $295 | — | $295 | 0.19% |
| ENDEAVOR INSURANCE SERVICES, INC.3 Filed as: ENDEAVOR INSURANCE SERVICES INC | P.O. BOX 198 GREER, SC 29652 | AMERICAN UNITED LIFE INSURANCE COMPANY | $53 | — | $53 | 0.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FLORES AND ASSOCIATES EIN 56-1542307 TPA | Contract Administrator Service code 13 | 1218 S CHURCH STREET CHARLOTTE, NC 28203 | $2K |
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 | 251 | 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) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 419 | $1.8M |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 121 | $154K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 121 | $154K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 121 | $154K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 121 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 419 | — |
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.