| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 4145 CLINTON, IA 52733 | HARTFORD LIFE AND ACCIDENT | $436K | $0 | $436K | 13.81% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R. NELLIGAN AND ASSOC., LLC | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | $0 | $115K | $115K | 3.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $0 | $99K | $99K | 3.12% |
| ANTUM RISK, LTD.3 | 201 EXECUTIVE CENTER DRIVE AIKEN BUILDING, SUITE 300 COLUMBIA, SC 29210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $88K | $0 | $88K | 10.28% |
| JOSH DAVID MURCHISON3 | 1004 29TH AVENUE NORTH MYRTLE BEACH, SC 29577 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31K | $0 | $31K | 3.64% |
| DAVID C BERRY3 Filed as: DAVID CLIFTON BERRY | 2545 HEALTHWAY DRIVE FLORENCE, SC 29501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28K | $0 | $28K | 3.29% |
| ROGER WILLIAM HOUGH3 | 21 SANDASTLE COURT PAWLEYS ISLAND, SC 29585 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19K | $0 | $19K | 2.27% |
| CLAY E. JOHNSON3 | 928 LONGWOOD BLUFFS CIRCLE MURRELLS INLET, SC 29576 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | $0 | $15K | 1.79% |
| MJ INSURANCE3 Filed as: CHRISTI SHANNON AND VARIOUS AGENTS | 113 ROSEWOOD LANE LEXINGTON, SC 29072 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 0.80% |
| LAURA BUCK3 | 1175 JASMINE GREEN TRAIL SW MARIETTA, GA 30064 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 0.67% |
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 | 193 | 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) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | COMMUNITY EYE CARE | 193 | $22K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 0 | $3.2M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 0 | $3.2M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 0 | $3.2M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,808 | $4.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,808 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.