| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY E FOX3 | 3605 EXCHANGE LANE AUGUSTA, GA 30909 | BLUECHOICE HEALTH PLAN | $87K | — | $87K | 7.60% |
| KELLY FOX3 | 3605 EXCHANGE LANE AUGUSTA, GA 30909 | COMPANION LIFE | $10K | $7 | $10K | 16.70% |
| THE CASON GROUP INC3 | PO BOX 11229 COLUMBIA, SC 29211 | COMPANION LIFE | $5K | $3 | $5K | 8.29% |
| KELLY FOX3 | 3605 EXCHANGE LANE AUGUSTA, GA 30909 | ONE AMERICA | $8K | — | $8K | 20.00% |
| KELLY FOX3 | 3605 EXCHANGE LANE AUGUSTA, GA 30909 | COMPANION LIFE | $4K | $7 | $4K | 17.53% |
| THE CASON GROUP INC3 | PO BOX 11229 COLUMBIA, SC 29211 | COMPANION LIFE | $2K | $3 | $2K | 7.51% |
| KELLY FOX3 | 3605 EXCHANGE LANE AUGUSTA, GA 30909 | COMPANION LIFE | $2K | $7 | $2K | 15.16% |
| THE CASON GROUP INC3 | PO BOX 11229 COLUMBIA, SC 29211 | COMPANION LIFE | $885 | $3 | $888 | 7.53% |
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 | 146 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECHOICE HEALTH PLAN | 146 | $1.1M |
| Dental | COMPANION LIFE | 150 | $57K |
| Vision | COMPANION LIFE | 106 | $12K |
| Life insurance | COMPANION LIFE | 53 | $24K |
| Short-term disability(2 contracts, 2 carriers) | ONE AMERICA | 53 | $63K |
| Long-term disability | ONE AMERICA | 42 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.