| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CASON GROUP INC3 Filed as: THE CASON GROUP, INC. | 1612 MARION STREET COLUMBIA, SC 29201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $83K | $83K | 2.00% |
| ECM BENEFITS LLC3 Filed as: ECM BENEFITS, LLC | PO BOX 12457 CHARLOTTE, NC 28220 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 0.22% |
| ECM BENEFITS LLC3 | PO BOX 12457 CHARLOTTE, NC 28209 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $44K | — | $44K | 111.93% |
| ECM BENEFITS LLC3 | PO BOX 12457 CHARLOTTE, NC 28209 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 29.03% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 15.78% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $74 | $74 | 0.19% |
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 | 342 | 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) | 342 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 486 | $4.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 344 | $246K |
| Vision | AMERITAS LIFE INSURANCE CORP | 741 | $30K |
| Life insurance(3 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 342 | $103K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 342 | $89K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 342 | $86K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 486 | $4.1M |
| Other(5 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 342 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 741 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.