| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDERS INC DBA INSURANCE BROKERS3 Filed as: FOUNDERS INC. DBA INSURANCE BROKERS | PO BOX 3028 ROCK HILL, SC 29732 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $67K | — | $67K | 18.31% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP, LLC | 14396 STUART ENGALS BLVD. SUITE 300 MT. PLEASANT, SC 29464 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $28K | — | $28K | 7.55% |
| FOUNDERS INC DBA INSURANCE BROKERS3 | 1770 INDIA HOOK RD. ROCK HILL, SC 29732 | PRINCIPAL LIFE INSURANCE COMPANY | $29K | $4K | $33K | 14.47% |
| WALTER S. NEWTON3 Filed as: WALTER NEWTON DBA INSURANCE BROKERS | PO BOX 3028 ROCK HILL, SC 29732 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 12.47% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $259 | — | $259 | 1.14% |
| HAUSER INC3 | 5905 E. GALBRAITH RD. SUITE 9000 CINCINNATI, OH 45236 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30 | — | $30 | 0.13% |
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 | 302 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 310 | 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 | 392 | $390K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 536 | $231K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 536 | $231K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 536 | $231K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 536 | $231K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 536 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.