| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 4145 CLINTON, IA 52733 | HARTFORD LIFE AND ACCIDENT | $454K | $0 | $454K | 10.90% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | $0 | $106K | $106K | 2.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $0 | $18K | $18K | 0.44% |
| ANTUM RISK LIMITED3 | 7001 STREET ANDREWS ROAD, SUITE A12 COLUMBIA, SC 29212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $134K | $0 | $134K | 9.46% |
| JOSHUA DAVID MURCHISON3 | 1004 29TH AVENUE NORTH MYRTLE BEACH, SC 29577 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43K | $0 | $43K | 3.08% |
| CLAY E. JOHNSON3 | 928 LONGWOOD BLUFFS CIRCLE MURRELLS INLET, SC 29576 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27K | $0 | $27K | 1.94% |
| JOSH DAVID MURCHISON3 | 1004 29TH AVENUE NORTH MYRTLE BEACH, SC 29577 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24K | $0 | $24K | 1.71% |
| ROGER WILLIAM HOUGH3 | 21 SANDASTLE COURT PAWLEYS ISLAND, SC 29585 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23K | $0 | $23K | 1.66% |
| DAVID C BERRY3 Filed as: DAVID CLIFTON BERRY | 2545 HEATHWAY DRIVE FLORENCE, SC 29501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | $0 | $13K | 0.91% |
| LAURA BUCK3 Filed as: LAURA BUCK AND OTHER AGENTS | 3066 MONTCLAIR CIRCLE SE SMYRNA, GA 30080 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 0.61% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | COMMUNITY EYE CARE | 189 | $24K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,520 | $4.2M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 3,520 | $4.2M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 3,520 | $4.2M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 3,520 | $5.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,520 | — |
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.