| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 29221 | RELIASTAR LIFE INSURANCE COMPANY | $215K | $129K | $344K | 13.02% |
| PHT SERVICES LTD3 | 201 EXECUTIVE CENTER DRIVE ADKEN BUILDING, SUITE 300 COLUMBIA, SC 29210 | AFLAC | $20K | — | $20K | 5.37% |
| VIRGINIA MURDOCK3 Filed as: VIRGINIA R. MURDOCK | 107 RAM CAT ALLEY SENECA, SC 29678 | AFLAC | $19K | $795 | $20K | 5.21% |
| THOMAS L WILLIAMSON3 Filed as: THOMAS WILLIAMSON AND OTHER AGENTS | PO BOX 1411 ANDERSON, SC 29622 | AFLAC | $11K | $359 | $11K | 3.00% |
| IRVING BRANHAM3 Filed as: IRVING W. BRANHAM | 17 JACOBS MILL COURT ELGIN, SC 29045 | AFLAC | $4K | $173 | $4K | 1.12% |
| REGINA BRANHAM3 Filed as: REGINA C. BRANHAM | 17 JACOBS MILL COURT ELGIN, SC 29045 | AFLAC | $3K | — | $3K | 0.75% |
| DONALD P KREDENSOR3 Filed as: DONALD P. KREDENSOR | 1112 RIVER WALK DRIVE SIMPSONVILLE, SC 29681 | AFLAC | $2K | $50 | $2K | 0.46% |
| DANNY DANIELS3 | 1931 SHARON ROAD WOODRUFF, SC 29622 | AFLAC | $2K | $146 | $2K | 0.44% |
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 | 2,809 | 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) | 2,809 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 5,898 | $2.6M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 5,898 | $2.6M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 5,898 | $2.6M |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 5,898 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,898 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.