| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62189 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $82K | $5K | $87K | 12.81% |
| 4MYBENEFITS, INC.3 | 4600 MCAULEY PLACE, SUITE 250 BLUE ASH, OH 45242 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $36K | $36K | 5.25% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMIN, INC. | 101S GARLAND AVENUE, SUITE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 0.64% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $9 | $9 | 0.00% |
| ELAINE COX3 Filed as: ELAINE STUBLEY | 203 MICHAUX COURT GREENVILLE, SC 29605 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $67K | $1K | $69K | 18.42% |
| CAMBRIDGE FINANCIAL & INSURANCE GRO3 | 88 VILLA ROAD GREENVILLE, SC 29615 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $0 | $8K | 2.13% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM, INC. | 145 RIVER LANDING DRIVE, UNIT 203 DANIEL ISLAND, SC 29492 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $2K | $6K | 1.49% |
| MARSHA ADAMS LANDRETH3 | 182 SHADY GROVE DRIVE SIMPSONVILLE, SC 29681 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 0.27% |
| PAUL JOEL CLARK3 | 101 COUNTRY MIST DRIVE GREER, SC 29651 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $722 | $0 | $722 | 0.19% |
| JANICE A SMITH3 Filed as: JANICE A. SMITH AND OTHER AGENTS | 217 SOUTH WOODGREEN WAY GREENVILLE, SC 29615 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $620 | $0 | $620 | 0.17% |
| PATRICA BAGWELL3 | 350 WREN ROAD PIEDMONT, SC 29673 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $538 | $0 | $538 | 0.14% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | COMMUNITY EYE CARE | $5K | $0 | $5K | 10.00% |
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 | 732 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 753 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,262 | $680K |
| Vision | COMMUNITY EYE CARE | 749 | $51K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,262 | $680K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,262 | $680K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,262 | $680K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,262 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,262 | — |
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.