| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT GROUP | 1600 ST JULIAN PLACE COLUMBIA, SC 29204 | DELTA DENTAL OF MISSOURI | $6K | — | $6K | 5.94% |
| CWI BENEFITS, INC.3 Filed as: CWI BENEFITS, INC | PO BOX 6125 GREENVILLE, SC 29606 | DELTA DENTAL OF MISSOURI | $4K | — | $4K | 3.96% |
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT GROUP INC | 3700 FOREST DRIVE SUITE 300 COLUMBIA, SC 29204 | COMPANION LIFE INSURANCE COMPANY | $5K | $5 | $5K | 8.32% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF SOUTH CAROLINA | I 20 AT ALPINE ROAD COLUMBIA, SC 29219 | COMPANION LIFE INSURANCE COMPANY | $4K | $5 | $4K | 6.49% |
| CWIBENEFITS INC3 | 80 INTERNATIONAL DRIVE SUITE 500 GREENVILLE, SC 29615 | COMPANION LIFE INSURANCE COMPANY | $3K | $5 | $3K | 5.55% |
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT GROUP | 3700 FOREST DRIVE COLUMBIA, SC 29204 | NATIONAL GUARDIAN LIFE | $2K | — | $2K | 12.00% |
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT GROUP INC | 3700 FOREST DRIVE SUITE 300 COLUMBIA, SC 29204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 17.71% |
| CWIBENEFITS INC3 | PO BOX 6125 GREENVILLE, SC 29606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 11.10% |
| CWI BENEFITS, INC.3 Filed as: CWI BENEFITS INC | PO BOX 6125 GREENVILLE, SC 29606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $492 | — | $492 | 2.92% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SVCS LLC | PO BOX 141916 CORAL GABLES, FL 33114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $45 | — | $45 | 0.27% |
| JAMES RAMAGE3 Filed as: JAMES C RAMAGE | 6151 LAKE OSPREY DRIVE 3RD FLOOR SARASOTA, FL 34240 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 0.11% |
| SOUTHEAST INSURANCE GROUP INC3 Filed as: SOUTHEAST INSURANCE GROUP | 2340 HARD SCRABBLE ROAD COLUMBIA, SC 29223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.06% |
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT GROUP INC | 3700 FOREST DRIVE SUITE 300 COLUMBIA, SC 29204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 27.23% |
| CWIBENEFITS INC3 | PO BOX 6125 GREENVILLE, SC 29606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 17.06% |
| CWI BENEFITS, INC.3 Filed as: CWI BENEFITS INC | PO BOX 6125 GREENVILLE, SC 29606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 7.98% |
| TIMOTHY G JARRELL3 Filed as: TIMOTHY JARRELL | 301 SOUTH ELM STREET SUITE 824 GREENSBORO, NC 27401 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32 | — | $32 | 0.25% |
| SOUTHEAST INSURANCE GROUP INC3 Filed as: SOUTHEAST INSURANCE GROUP | 2340 HARD SCRABBLE ROAD COLUMBIA, SC 29223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 0.14% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SVCS LLC | PO BOX 141916 CORAL GABLES, FL 33114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.11% |
| JAMES RAMAGE3 Filed as: JAMES C RAMAGE | 6151 LAKE OSPREY DRIVE 3RD FLOOR SARASOTA, FL 34240 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.05% |
| SHANE KIRBY3 | 6606 CALHOUN MEMORIAL HIGHWAY SUITE A EASLEY, SC 29640 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.04% |
| HUBERT C WITHERSPOON3 | 940 TIMBER KNOLL DRIVE MATTHEWS, NC 28105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.03% |
| BRISTOWE INSURANCE GROUP3 | PO BOX 550710 JACKSONVILLE, FL 32255 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| DENNIS WHITE3 | 12208 WOODSIDE FALLS ROAD PINEVILLE, NC 28134 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT GROUP | 3700 FOREST DRIVE SUITE 300 COLUMBIA, SC 29204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| BENCHMARK INS GROUP LLC3 | PO BOX 470845 CHARLOTTE, NC 28247 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| DAVID PICKENS3 | 289 BLUFF ROAD ABBEVILLE, SC 29620 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| PALMETTO INSURANCE GROUP LLC3 Filed as: PALMETTO MARKETING ASSOC INC | VICKI RAGIN PO BOX 6678 COLUMBIA, SC 29260 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| MESSER FINANCIAL GROUP INC3 | 4301 MORRIS PARK DRIVE MINT HILL, NC 28227 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
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 | 236 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 332 | $95K |
| Vision | NATIONAL GUARDIAN LIFE | 124 | $18K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 237 | $61K |
| Long-term disability | COMPANION LIFE INSURANCE COMPANY | 237 | $61K |
| Stop-loss / reinsurancereinsurance | IHC | 182 | $157K |
| Other(3 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 237 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.