| 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 | $45K | — | $45K | 14.54% |
| UNITED PRODUCERS GROUP LLC3 | 1031 CHUCK DAWLEY BLVD SUITE 5 MT. PLEASANT, SC 29464 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $19K | $4K | $23K | 7.43% |
| PEOPLES UNITED INSURANCE AGENCY(HAR3 Filed as: PEOPLES FIRST INSURANCE | 466 HOOD CENTER DR ROCK HILL, SC 29730 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | — | $11K | 3.62% |
| FOUNDERS INC DBA INSURANCE BROKERS3 | 1770 INDIA HOOK RD ROCK HILL, SC 29732 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | — | $14K | 8.42% |
| UNITED PRODUCERS GROUP LLC3 | 1031 CHUCK DAWLEY BLVD SUITE 5 MT. PLEASANT, SC 29464 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 3.17% |
| PEOPLES UNITED INSURANCE AGENCY(HAR3 Filed as: PEOPLES FIRST INSURANCE | 466 HOOD CENTER RD ROCK HILL, SC 29730 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 1.52% |
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 | 241 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 213 | $311K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 409 | $171K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 409 | $171K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 409 | $171K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 409 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 409 | — |
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.