| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALTER S. NEWTON3 | PO BOX 3028 ROCK HILL, SC 29732 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $63K | — | $63K | 3.65% |
| INSURANCE BROKERS EXCHANGE3 | PO BOX 3028 ROCK HILL, SC 29732 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $1K | $8K | 11.88% |
| WALTER S. NEWTON3 | PO BOX 3028 ROCK HILL, SC 29732 | AMERICAN HERITAGE LIFE INSURANCE COMPANY DBA ALLSTATE | $8K | — | $8K | 19.26% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY DBA ALLSTATE | $536 | — | $536 | 1.30% |
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 | 340 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 350 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 370 | $1.8M |
| Dental | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 370 | $1.7M |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 539 | $69K |
| Life insurance | AMERICAN HERITAGE LIFE INSURANCE COMPANY DBA ALLSTATE | 340 | $41K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 539 | $69K |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY DBA ALLSTATE | 340 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 539 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.