| 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 | $35K | $0 | $35K | 4.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4250 CONGRESS STREET, SUITE 200 CHARLOTTE, NC 28209 | AMERITAS LIFE INSURANCE CORPORATION | $14K | $0 | $14K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 21ST FLOOR ROLLING MEADOWS, IL 60008 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $1K | $1K | 1.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4250 CONGRESS STREET, SUITE 200 CHARLOTTE, NC 28209 | AMERICAN UNITED LIFE INSURANCE COMPANY | $8K | $1K | $9K | 18.96% |
| DERRELL B ODOM3 Filed as: DERRELL B. ODOM | 5082 MARIANA COURT TEGA CAY, SC 29708 | AFLAC | $3K | $95 | $3K | 8.68% |
| DONNA L MATTHEWS3 Filed as: DONNA L. MATTHEWS | 4089 LINDA ROAD ROCK HILL, SC 29730 | AFLAC | $830 | $95 | $925 | 2.72% |
| MJ INSURANCE3 Filed as: LARRY NICHOLSON AND VARIOUS AGENTS | 116 EAST MAIN STREET ROCK HILL, SC 29730 | AFLAC | $714 | $0 | $714 | 2.10% |
| WILLIAM D KEEFE3 Filed as: WILLIAM D. KEEFE | 114 MOTLEY LANE PATRICK, SC 29584 | AFLAC | $264 | $38 | $302 | 0.89% |
| DAVID C BERRY3 Filed as: DAVID C. BERRY | 2545 HEATHWAY DRIVE FLOENCE, SC 29501 | AFLAC | $196 | $38 | $234 | 0.69% |
| OLIVIA MARIE MURRAY3 | 4010 KINGFISHER DRIVE YORK, SC 29745 | AFLAC | $188 | $0 | $188 | 0.55% |
| JEREMY W. CASSIDY AND OTHER AGENTS3 Filed as: JEREMY W. CASSIDY | 1833 HOPEWELL ROAD ROCK HILL, SC 29730 | AFLAC | $159 | $0 | $159 | 0.47% |
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 | 140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 118 | $843K |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 266 | $94K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 266 | $94K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 144 | $82K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 144 | $48K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 118 | $843K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 144 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.