| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACHS INSURANCE3 | 1201 TOWN PARK LANE EVANS, GA 30809 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $68K | — | $68K | 2.75% |
| ACRISURE LLC3 | 3726 EXECUTIVE CENTER DRIVE MARTINEZ, GA 30907 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $38K | $6K | $45K | 17.45% |
| ACHS INSURANCE3 | 1201 TOWN PARK LANE EVANS, GA 30809 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $6K | — | $6K | 2.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERICAN BENEFIT SERVICES LLC EIN 51-0489532 FSA ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Claims processing; Contract Administrator; Investment management fees paid indirectly by plan; Other services Service code 12 | — | $17K |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 357 | $227K |
| Vision | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 342 | $22K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 387 | $256K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 387 | $256K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 342 | $2.5M |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 387 | $256K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 387 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.