| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEINBURG & ASSOCIATES INC.3 | 340 S PINE ST SPARTANSBURG, SC 29302 | BLUE CROSS BLUE SHIELD OF SC | $12K | — | $12K | 2.37% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 718 RIVER RD FAIR HAVEN, NJ 07704 | EQUITABLE LIFE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 7.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY | PARK 80 WEST, PLAZA TWO, 250 PEHLE AVE SUITE 400 SADDLEBROOK, NJ 07663 | EQUITABLE LIFE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 4.82% |
| STEINBURG & ASSOCIATES INC.3 | 340 S PINE ST SPARTANBURG, SC 29302 | EQUITABLE LIFE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.47% |
| IBSI HOLDINGS INC3 Filed as: IBSI HOLDINGS, INC. | 3330 HEALY DR STE 100 WINSTON-SALEM, NC 27114 | EQUITABLE LIFE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 1.30% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES | 200 GALLERIA PKWY #1950 ATLANTA, GA 30339 | EQUITABLE LIFE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 1.25% |
| MULTIPLE BROKERS (SEE APPENDIX)3 | 1392 WYNNTON RD COLUMBUS, GA 31999 | AFLAC | $9K | $293 | $9K | 17.82% |
| MULTIPLE BROKERS (SEE APPENDIX)3 | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $4K | $52 | $4K | 13.16% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIRCLE STE 4500 HUNT VALLEY, MD 21031 | EYEMED VISION CARE | $758 | — | $758 | 6.65% |
| STEINBERG & ASSOCIATES, INC.3 | 340 S PINE ST SPARTANBURG, SC 29302 | EYEMED VISION CARE | $379 | — | $379 | 3.33% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PLANNED ADMINISTRATORS INC. EIN 57-0718839 TPA FEES | Contract Administrator; Claims processing Service code 12 | — | $34K |
| AP BENEFIT ADVISORS LLC EIN 30-0837157 BROKER | Contract Administrator; Claims processing Service code 12 | — | $0 |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SC | 108 | $516K |
| Dental | EQUITABLE LIFE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 152 | $101K |
| Vision | EYEMED VISION CARE | 175 | $11K |
| Life insurance | EQUITABLE LIFE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 152 | $101K |
| Short-term disability(2 contracts) | AFLAC | 38 | $84K |
| Long-term disability | EQUITABLE LIFE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 152 | $101K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SC | 108 | $516K |
| Other(2 contracts) | AFLAC | 38 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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.