| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4064 COLONY ROAD, SUITE 450 CHARLOTTE, NC 28211 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $34K | $0 | $34K | 4.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $27K | $0 | $27K | 15.39% |
| DARRELL B. ODOM3 | 5082 MARIANA COURT TEGA CAY, SC 29708 | AFLAC | $2K | $0 | $2K | 8.56% |
| DONNA L MATTHEWS3 Filed as: DONNA L. MATTHEWS | 4089 LINDA ROAD ROCK HILL, SC 29730 | AFLAC | $1K | $0 | $1K | 4.61% |
| MJ INSURANCE3 Filed as: LESTER D. PARK AND VARIOUS AGENTS | 203 CLEARMEADOW DRIVE COLUMBIA, SC 29229 | AFLAC | $360 | $0 | $360 | 1.57% |
| WILLIAM D KEEFE3 Filed as: WILLIAM D. KEEFE | 114 MOTLEY LANE PATRICK, SC 29584 | AFLAC | $311 | $0 | $311 | 1.36% |
| DAVID C BERRY3 Filed as: DAVID C. BERRY | 2545 HEATHWAY DRIVE FLORENCE, SC 29501 | AFLAC | $254 | $0 | $254 | 1.11% |
| JEREMY W. CASSIDY AND OTHER AGENTS3 Filed as: JEREMY W. CASSIDY | 1833 HOPEWELL ROAD ROCK HILL, SC 29730 | AFLAC | $116 | $0 | $116 | 0.51% |
| TERRANCE M LUCZAJ3 Filed as: TERRANCE M. LUCZAJ | 435 HARRODS LANE CHARLESTON, SC 29412 | AFLAC | $83 | $0 | $83 | 0.36% |
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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 119 | $825K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 151 | $175K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 151 | $175K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 151 | $198K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 151 | $175K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 119 | $825K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 151 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.