| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JANET SLOAN3 | 493 OLD FIELD ROAD MURRELLS INLET, SC 29576 | RELIANCE STANDARD LIFE INSURANCE COMPNAY | $6K | — | $6K | — |
| JANET SLOAN3 | 493 OLD FIELD RD MURRELLS INLET, SC 29576 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | — |
| JANET SLOAN3 | 493 OLD FIELD RD MURRELLS INLET, SC 29576 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | — |
| JANET SLOAN3 | 493 OLD FIELD RD MURRELLS INLET, SC 59576 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $520 | — | $520 | — |
| JANET SLOAN3 | 600 N CREEKSIDE DR MURRELLS INLET, SC 29576 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $705 | — | $705 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERICAN BENEFIT SERVICES, LLC EIN 51-0489532 FSA ADMINISTRATOR | Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Claims processing; Float revenue Service code 12 | PO BOX 1635 IRMO, SC 29063 | $4K |
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 | 249 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 249 | $0 |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 206 | $0 |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 206 | $0 |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPNAY | 265 | $0 |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 177 | $0 |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 163 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.