| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE APPLICATION GROUP3 | 220 NORTH MAIN STREET SUITE 605 GREENVILLE, SC 20601 | BCS INSURANCE COMPANY | $11K | — | $11K | 18.00% |
| PLANNED ADMINISTRATORS, INC.3 Filed as: PLANNED ADMINISTRATORS INC. | 17 TECHNOLOGY CIRCLE SUITE E2AG COLUMBIA, SC 29203 | BCS INSURANCE COMPANY | — | $9K | $9K | 14.50% |
| MCGRIFF INSURANCE SERVICES INC3 | P.O. BOX 896620 CHARLOTTE, NC 282896620 | BCS INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| PLANNED ADMINISTRATORS, INC.3 Filed as: PLANNED ADMINISTRATORS INC. | 17 TECHNOLOGY CIRCLE SUITE E2AG COLUMBIA, SC 29203 | 4 EVER LIFE INSURANCE COMPANY | — | $9K | $9K | 45.80% |
| INSURANCE APPLICATION GROUP3 | 220 NORTH MAIN STREET SUITE 605 GREENVILLE, SC 20601 | 4 EVER LIFE INSURANCE COMPANY | $3K | — | $3K | 18.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | PO BOX 896620 CHARLOTTE, NC 282896620 | 4 EVER LIFE INSURANCE COMPANY | $947 | — | $947 | 5.00% |
| MICHELE B. JAIN3 | 4 RIVERSIDE DR. GREENVILLE, SC 29605 | AFLAC | $1K | $314 | $2K | 10.20% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 47 AIRPARK CT. GREENVILLE, SC 29607 | AFLAC | $1K | — | $1K | 5.91% |
| KERRY COLVIN3 | 501 ROYAL DUTCH LN SIMPSONVILLE, SC 29681 | AFLAC | $549 | $73 | $622 | 3.66% |
| JUSTIN M GUIDI3 Filed as: JUSTIN M. GUIDI | 2155 W. PINNACLE PEAK RD. STE. 205 PHOENIX, AZ 85027 | AFLAC | $381 | $73 | $454 | 2.67% |
| DANNY DANIELS3 Filed as: DANNY R DANIELS | 1931 SHARON RD WOODRUFF, SC 29388 | AFLAC | $65 | — | $65 | 0.38% |
| BRANDON S FLEMING3 | 7783 NW LORRAINE DR. PIEDMONT, OK 73078 | AFLAC | $23 | — | $23 | 0.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: STEVE DOUGLAS BROWN | 111 SUGAR CREEK RD. GREER, SC 29650 | AFLAC | $20 | — | $20 | 0.12% |
| JONI DANIELS3 Filed as: JONI L DANIELS | 1931 SHARON RD WOODRUFF, SC 29388 | AFLAC | $20 | — | $20 | 0.12% |
| ASSURED BENEFITS INC3 Filed as: ASSURED BENEFITS INC. | P.O. BOX 26207 GREENVILLE, SC 29616 | AFLAC | $17 | — | $17 | 0.10% |
| IRVING BRANHAM3 Filed as: IRVING W. BRANHAM | P.O. BOX 111 CAMDEN, SC 29021 | AFLAC | $14 | — | $14 | 0.08% |
| THADDEUS D BECK3 | 3720 BOILING SPRINGS RD STE F BOILING SPRINGS, SC 29316 | AFLAC | $6 | — | $6 | 0.04% |
| FRED E ENSLEY3 | 3714 GRANDVIEW DRIVE SIMPSONVILLE, SC 29680 | AFLAC | $3 | — | $3 | 0.02% |
| TRULUCK & ASSOCIATES INC3 Filed as: TRULUCK & ASSOCIATES INC. | 1934 PANTHEON DR. WINTER GARDEN, FL 34787 | AFLAC | $2 | — | $2 | 0.01% |
| DEBORAH B SMITH3 | 5703 BRYNWOOD CIR NW ACWORTH, GA 30101 | AFLAC | $1 | — | $1 | 0.01% |
| PATRICIA A PARK3 | 18 SHEILA GAIL LN ROSSVILLE, GA 30741 | AFLAC | $1 | — | $1 | 0.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 27149 GREENVILLE, SC 29616 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 300 SUMMERS ST STE 650 CHARLESTON, WV 25301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $814 | $814 | 6.57% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | PO BOX 27149 GREENVILLE, SC 29616 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $718 | — | $718 | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 300 SUMMERS ST STE 650 CHARLESTON, WV 25301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $527 | $527 | 7.34% |
| MCGRIFF INSURANCE SERVICES INC2 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 27149 GREENVILLE, SC 29616 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $914 | — | $914 | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 300 SUMMERS ST STE 650 CHARLESTON, WV 25301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $432 | $432 | 7.09% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | PO BOX 27149 GREENVILLE, SC 29616 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $232 | — | $232 | 9.99% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 300 SUMMERS ST STE 650 CHARLESTON, WV 25301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $164 | $164 | 7.06% |
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 | 159 | 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) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BCS INSURANCE COMPANY | 152 | $60K |
| Vision | BCS INSURANCE COMPANY | 152 | $60K |
| Life insurance(3 contracts, 2 carriers) | 4 EVER LIFE INSURANCE COMPANY | 101 | $27K |
| Short-term disability(2 contracts, 2 carriers) | 4 EVER LIFE INSURANCE COMPANY | 101 | $26K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 59 | $12K |
| Other(3 contracts, 2 carriers) | AFLAC | 59 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.