| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $229K | $0 | $229K | 10.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 13965 WEST CHINDEN BOULEVARD SUITE 300 BOISIE, ID 83713 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $0 | $36K | $36K | 1.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203066 DALLAS, TX 75320 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $0 | $2K | $2K | 0.09% |
| PHT SERVICES LTD3 Filed as: PHT SERVICES, LTD | 250 BERRYHILL ROAD, SUITE 402 CONVERSE BUILDING COLUMBIA, SC 29210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $168K | $0 | $168K | 32.71% |
| MJ INSURANCE3 Filed as: THELMA BELL AND VARIOUS AGENTS | 3937 QUARTER TRAIL WEST COLUMBIA, SC 29172 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59K | $0 | $59K | 11.54% |
| DAVID C BERRY3 Filed as: DAVID C. BERRY | 2545 HEATHWAY DRIVE FLORENCE, SC 29501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28K | $0 | $28K | 5.49% |
| ROGER WILLIAM HOUGH3 Filed as: ROGER HOUGH | 21 SANDCASTLE COURT PAWLEYS ISLAND, SC 29585 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21K | $0 | $21K | 4.00% |
| DONNA L MATTHEWS3 Filed as: DONNA L. MATTHEWS | PO BOX 3642 ROCK HILL, SC 29732 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16K | $0 | $16K | 3.16% |
| WEBSTER GIBSON3 | 2525 GLENNS PARK ROAD FLORENCE, SC 29505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16K | $0 | $16K | 3.16% |
| TRINA DROZE3 | 1511 RIDGEWOOD ROAD ELGIN, SC 29045 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16K | $0 | $16K | 3.16% |
| PHT SERVICES LTD3 Filed as: PHT SERVICES, LTD | 201 EXECUTIVE CENTER DRIVE AIKEN BUILDING, SUITE 300 COLUMBIA, SC 29210 | AFLAC | $2K | $0 | $2K | 4.97% |
| VIRGINIA MURDOCK3 Filed as: VIRGINIA R. MURDOCK | 107 RAM CAT ALY SENECY, SC 29678 | AFLAC | $1K | $0 | $1K | 3.51% |
| MJ INSURANCE3 Filed as: DANNY DANIELS AND VARIOUS AGENTS | 1931 SHARON ROAD WOODRUFF, SC 29388 | AFLAC | $1K | $0 | $1K | 2.94% |
| IRVING BRANHAM3 Filed as: IRVING W. BRANHAM | 17 JACOBS MILL COURT ELGIN, SC 29045 | AFLAC | $262 | $0 | $262 | 0.76% |
| REGINA BRANHAM3 Filed as: REGINA C. BRANHAM | 17 JACOBS MILL COURT ELGIN, SC 29045 | AFLAC | $249 | $0 | $249 | 0.73% |
| DONALD P KREDENSOR3 Filed as: DONALD P. KREDENSOR | 1112 RIVER WALK DRIVE SIMPSONVILLE, SC 29681 | AFLAC | $123 | $0 | $123 | 0.36% |
| THOMAS L WILLIAMSON3 Filed as: THOMAS L. WILLIAMSON | PO BOX 1411 ANDERSON, SC 29622 | AFLAC | $114 | $0 | $114 | 0.33% |
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 | 2,740 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,773 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | COMMUNITY EYE CARE | 4,483 | $457K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,429 | $2.2M |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,429 | $2.2M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,429 | $2.2M |
| Other | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,429 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,483 | — |
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.