| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203066 DALLAS, TX 75320 | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | $232K | $36K | $268K | 11.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | $57K | $0 | $57K | 2.50% |
| PHT SERVICES LTD3 Filed as: PHT SERVICES, LTD | 201 EXECUTIVE CENTER DRIVE AIKEN BUILDING, SUITE 300 COLUMBIA, SC 29210 | AFLAC | $21K | $0 | $21K | 4.97% |
| VIRGINIA MURDOCK3 Filed as: VIRGINIA R. MURDOCK | 107 RAM CAT ALY SENECA, SC 29678 | AFLAC | $16K | $14 | $16K | 3.82% |
| MJ INSURANCE3 Filed as: DANNY DANIELS AND VARIOUS AGENTS | 1931 SHARON ROAD WOODRUFF, SC 29388 | AFLAC | $13K | $0 | $13K | 3.00% |
| IRVING BRANHAM3 Filed as: IRVING W. BRANHAM | 17 JACOBS MILL COURT ELGIN, SC 29045 | AFLAC | $3K | $0 | $3K | 0.78% |
| REGINA BRANHAM3 Filed as: REGINA C. BRANHAM | 17 JACOBS MILL COURT ELGIN, SC 29045 | AFLAC | $3K | $0 | $3K | 0.70% |
| DONALD P KREDENSOR3 Filed as: DONALD P. KREDENSOR | 1112 RIVER WALK DRIVE SIMPSONVILLE, SC 29681 | AFLAC | $2K | $0 | $2K | 0.39% |
| THOMAS L WILLIAMSON3 Filed as: THOMAS L. WILLIAMSON | PO BOX 1411 ANDERSON, SC 29622 | AFLAC | $1K | $0 | $1K | 0.32% |
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 | 2,938 | 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) | 2,938 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | COMMUNITY EYECARE | 4,392 | $583K |
| Life insurance | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | 3,342 | $2.3M |
| Short-term disability | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | 3,342 | $2.3M |
| Long-term disability | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | 3,342 | $2.3M |
| Other(2 contracts, 2 carriers) | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | 3,342 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,392 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.