| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENDEAVOR INSURANCE SERVICES, INC.3 Filed as: ENDEAVOR INSURANCE SERVICES INC | 218 TRADE ST STE G GREER, SC 29651 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $12K | $12K | 2.92% |
| WILLIAM L SMUNK3 | 908 SANDY BAY RD KINGSTREE, SC 29556 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $34K | — | $34K | 18.00% |
| BYNUM R TUTTLE JR3 | PO BOX 1110 DENTON, NC 27239 | THE LINCOLN NATIONAL LIFE INSURANCE CO | — | $7K | $7K | 4.00% |
| DAVID M GILSTON INS AGENCY3 Filed as: DAVID M GILSTON INS AGENCY INC | PO BOX 31029 CHARLESTON, SC 29417 | THE LINCOLN NATIONAL LIFE INSURANCE CO | — | $6K | $6K | 3.00% |
| WILLIAM L SMUNK3 | 908 SANDY BAY RD KINGSTREE, SC 29556 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $13K | — | $13K | 10.00% |
| BYNUM R TUTTLE JR3 | PO BOX 1110 DENTON, NC 27239 | THE LINCOLN NATIONAL LIFE INSURANCE CO | — | $5K | $5K | 4.00% |
| WILLIAM L SMUNK3 | 908 SANDY BAY RD KINGSTREE, SC 29556 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $21K | — | $21K | 18.00% |
| BYNUM R TUTTLE JR3 | PO BOX 1110 DENTON, NC 27239 | THE LINCOLN NATIONAL LIFE INSURANCE CO | — | $5K | $5K | 4.00% |
| DAVID M GILSTON INS AGENCY3 Filed as: DAVID M GILSTON INS AGENCY INC | PO BOX 31029 CHARLESTON, SC 29417 | THE LINCOLN NATIONAL LIFE INSURANCE CO | — | $4K | $4K | 3.00% |
| ENDEAVOR INSURANCE SERVICES, INC.3 Filed as: ENDEAVOR EMPLOYER SERVICES INC | 218 TRADE ST STE G GREER, SC 29561 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $4K | — | $4K | 9.16% |
| ENDEAVOR INSURANCE SERVICES, INC.3 Filed as: ENDEAVOR INSURANCE SERVICES INC | PO BOX 198 GREER, SC 29652 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE CO EIN 59-1031071 CLAIM ADMINISTRATION | Float revenue; Participant communication; Direct payment from the plan; Other services; Named fiduciary; Contract Administrator; Claims processing; Non-monetary compensation Service code 12 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $165K |
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 | 349 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 349 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 343 | $425K |
| Vision | CIGNA HEALTH & LIFE INSURANCE COMPANY | 478 | $41K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE CO | 349 | $149K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE CO | 183 | $187K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE CO | 199 | $117K |
| Stop-loss / reinsurancereinsurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 343 | $425K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE CO | 349 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 478 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.