| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDERS INC DBA INSURANCE BROKERS3 Filed as: FOUNDERS, INC. DBA INSURANCE BROKER | PO BOX 3028 ROCK HILL, SC 29732 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 2.38% |
| FOUNDERS INC DBA INSURANCE BROKERS3 Filed as: FOUNDERS, INC. DBA INSURANCE BROKER | PO BOX 3028 ROCK HILL, SC 29732 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 5.59% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP, LLC | 1439 STUART ENGLAS BLVD. SUITE 300 MT. PLEASANT, SC 29464 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 2.31% |
| FOUNDERS INC DBA INSURANCE BROKERS3 Filed as: FOUNDERS INC. DBA INS BROKERS EXCH. | PO BOX 3028 ROCK HILL, SC 29732 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $2K | $10K | 10.88% |
| UNITED PRODUCERS GROUP LLC3 | 1439 STUART ENGALS BLVD. UNIT 300 MT. PLEASANT, SC 29464 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 2.79% |
| WALTER S. NEWTON3 | PO BOX 3028 ROCK HILL, SC 29732 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 20.01% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $379 | — | $379 | 1.47% |
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 | 334 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 343 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 365 | $309K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 193 | $136K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 573 | $96K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 573 | $96K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 573 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 573 | — |
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.