| 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 | $290K | $90K | $381K | 20.60% |
| PHT SERVICES LTD3 | 201 EXECUTIVE CENTER DRIVE AIKEN BUILDING, SUITE 300 COLUMBIA, SC 29210 | AFLAC | $25K | — | $25K | 5.21% |
| VIRGINIA MURDOCK3 | 107 RAM CAT ALLEY SENECA, SC 29678 | AFLAC | $21K | $744 | $22K | 4.57% |
| MJ INSURANCE3 Filed as: DANNY DANIELS AND VARIOUS AGENTS | 1931 SHARON ROAD WOODRUFF, SC 29388 | AFLAC | $14K | $265 | $14K | 2.94% |
| IRVING BRANHAM3 | 17 JACOBS MILL COURT ELGIN, SC 29045 | AFLAC | $5K | $186 | $5K | 0.98% |
| REGINA BRANHAM3 | 17 JACOBS MILL COURT ELGIN, SC 29045 | AFLAC | $3K | — | $3K | 0.71% |
| DONALD P KREDENSOR3 Filed as: DONALD KREDENSOR | 1112 RIVER WALK DRIVE SIMPSONVILLE, SC 29681 | AFLAC | $2K | $149 | $2K | 0.46% |
| THOMAS WILLIAMSON3 | PO BOX 1411 ANDERSON, SC 29622 | AFLAC | $2K | — | $2K | 0.37% |
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 | 3,010 | 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) | 3,010 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 5,746 | $2.6M |
| Short-term disability(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 5,746 | $2.6M |
| Long-term disability(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 5,746 | $2.6M |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 5,746 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,746 | — |
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.