| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMC BENEFITS LLC3 | 4000 PARK ROAD CHARLOTTE, NC 28209 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $0 | $27K | 13.25% |
| EMC BENEFITS LLC3 | 4000 PARK ROAD CHARLOTTE, NC 28209 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 7.48% |
| ALISON HLUCHOTA3 | 10 MEADOW RESERVE PLACE SIMPSONVILLE, SC 29681 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 3.55% |
| KRISTI IVESTER3 | 555 NORTH PLEASANTBURG DRIVE SUITE 200 GREENVILLE, SC 29607 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 3.18% |
| JUSTIN M GUIDI3 Filed as: JUSTIN M. GUIDI | 1039 44TH AVENUE, SUITE 101 MYRTLE BEACH, SC 29577 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.04% |
| CHESARAE MARIE KYER3 Filed as: CHESARAE M. KYER | 555 NORTH PLEASANTBURG DRIVE GREENVILLE, SC 29607 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.43% |
| MJ INSURANCE3 Filed as: HEALTHER LAWSON AND VARIOUS AGENTS | 555 PLEASANTBURG DRIVE SUITE 200 GREENVILLE, SC 29607 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.30% |
| ALLISON D SHERIFF3 Filed as: ALLISON D. SHERIFF | 124 GRACE DRIVE EASLEY, SC 29640 | CONTINENTAL AMERICAN INSURANCE COMPANY | $553 | $0 | $553 | 0.57% |
| PAULA J FAMBROUGH3 Filed as: PAULA J. FAMBROUGH | 8205 DUNMORE DRIVE APARTMENT C HUNTERSVILLE, SC 29201 | AFLAC | $1K | $186 | $2K | 5.03% |
| MUNCIE ALAN RUSSELL3 | 1829 SENATE STREET APARTMENT 8D COLUMBIA, SC 29201 | AFLAC | $1K | $0 | $1K | 3.15% |
| DAVID C BERRY3 Filed as: DAVID C. BERRY | 2545 HEATHWAY DRIVE FLORENCE, SC 29501 | AFLAC | $753 | $0 | $753 | 2.37% |
| E. RAYMOND GRANT3 | 618 PLANTERS DRIVE COLUMBIA, SC 29209 | AFLAC | $475 | $0 | $475 | 1.50% |
| CATHERINE D JAMES3 Filed as: CATHERINE D. JAMES | 4531 MEADOWOOD ROAD COLUMBIA, SC 29206 | AFLAC | $104 | $32 | $136 | 0.43% |
| REGINA BRANHAM3 Filed as: REGINA C. COKER | PO BOX 212 ELGIN, SC 29045 | AFLAC | $135 | $0 | $135 | 0.43% |
| LARRY W NICHOLSON3 Filed as: LARRY W. NICHOLSON | 116 EAST MAIN STREET ROCK HILL, SC 29730 | AFLAC | $91 | $0 | $91 | 0.29% |
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 | 134 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 314 | $203K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 314 | $203K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 314 | $203K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 314 | $203K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 314 | $203K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 314 | $332K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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."
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.