| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMICK, BAHNMULLER & ASSOCIATES, INC3 | P.O. BOX 88 LEXINGTON, SC 29071 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $16K | — | $16K | 15.00% |
| IBSI HOLDINGS INC3 Filed as: IBSI HOLDINGS, IMC. | P.O. BOX 24337 WINSTON-SALEM, NC 27114 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $5K | — | $5K | 5.00% |
| AMICK, BAHNMULLER & ASSOCIATES, INC3 | P.O. BOX 88 LEXINGTON, SC 29071 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 7.25% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTH, INC. | 40 W BROAD STREET GREENVILLE, SC 29601 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $528 | — | $528 | 2.68% |
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 | 418 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 420 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 353 | $20K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 308 | $150K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 222 | $119K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 222 | $114K |
| Other(2 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 308 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 353 | — |
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.