| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY FOX3 | 3605 EXCHANGE LANE AUGUSTA, GA 30909 | COMPANION LIFE | $16K | — | $16K | 15.18% |
| THE CASON GROUP INC3 | PO BOX 11229 COLUMBIA, SC 29211 | COMPANION LIFE | $8K | — | $8K | 7.20% |
| KELLY FOX3 | 5 PRATHER WOODS LANE AUGUSTA, GA 30909 | GUARDIAN | $7K | — | $7K | 205.98% |
| THE CASON GROUP INC3 | 1612 MARION ST, 4TH FLOOR COLUMBIA, SC 29201 | GUARDIAN | $2K | — | $2K | 51.49% |
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 | 180 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | COMPANION LIFE | 180 | $112K |
| Vision(2 contracts, 2 carriers) | COMPANION LIFE | 180 | $112K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE | 180 | $112K |
| Short-term disability(2 contracts, 2 carriers) | COMPANION LIFE | 180 | $112K |
| Long-term disability | GUARDIAN | 180 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.