| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KENNETH LEE DEHART3 | 1901 BULL STREET COLUMBIA, SC 29201 | NORTHWESTERN MUTUAL | $14K | $3K | $17K | 16.14% |
| SAMUEL CHARLTON DOWDY3 | 1901 BULL STREET COLUMBIA, SC 29201 | NORTHWESTERN MUTUAL | $2K | $548 | $3K | 2.70% |
| RICHARD WORRELL LLC3 | 6235 MORRISON BOULEVARD CHARLOTTE, NC 28211 | NORTHWESTERN MUTUAL | $2K | $181 | $2K | 2.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | UNION SECURITY INSURANCE COMPANY | $10K | $0 | $10K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC. | 115 CENTRAL ISLAND STREET SUITE 100 CHARLESTON, SC 29492 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $9K | $3 | $9K | 15.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 400 MIDLAND DRIVE SUITE 300 MOUNT LAUREL, NJ 08054 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $226 | $0 | $226 | 0.38% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $50 | $50 | 0.08% |
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 | 152 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNION SECURITY INSURANCE COMPANY | 99 | $95K |
| Vision | UNION SECURITY INSURANCE COMPANY | 99 | $95K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 152 | $59K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 152 | $59K |
| Long-term disability | NORTHWESTERN MUTUAL | 51 | $106K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 152 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.