| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORXSITEHR INSURANCE SOLUTIONS3 | 23679 CALABASAS RD STE 514 CALABASAS, CA 91302 | THE GUARDIAN LIFE INSURANCE COMPANY | $12K | — | $12K | 3.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC | 301 S TRYON STREET SUTIE 2600 CHARLOTTE, NC 28282 | THE GUARDIAN LIFE INSURANCE COMPANY | $7K | — | $7K | 1.75% |
| WORXSITEHR INSURANCE SOLUTIONS3 Filed as: WORXSITEHR INS SOLUTIONS INC | 23679 CALABASAS RD CALABASAS, CA 91302 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37K | — | $37K | 14.54% |
| MICHAEL FREDERICK FIERKE3 | 2631 HOLLY SPRINGS PKWY HOLLY SPRINGS, GA 30142 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $797 | — | $797 | 0.31% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23 | — | $23 | 0.01% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.00% |
| AMERICAN HERITAGE LIFE INSURANCE CO3 | 1776 AMERICAN HERITAGE LIFE DR JACKSONVILLE, FL 32224 | US LEGAL SERVICES, INC | $29K | $0 | $29K | 11.61% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC | PO BOX 31817 CHARLOTTE, NC 28231 | US LEGAL SERVICES, INC | $4K | $0 | $4K | 1.62% |
| WORXSITEHR INSURANCE SOLUTIONS3 | 23679 CALABASAS RD STE 514 CALABASAS, CA 91302 | THE GUARDIAN LIFE INSURANCE COMPANY | $25K | — | $25K | 11.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC | 301 S TRYON STREET STE 2600 CHARLOTTE, NC 28282 | THE GUARDIAN LIFE INSURANCE COMPANY | $9K | — | $9K | 3.77% |
| WORXSITEHR INSURANCE SOLUTIONS3 Filed as: WORXSITEHR INS SOLUTIONS INC | 2369 CALABASAS RD CALABASAS, CA 91302 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24K | — | $24K | 26.57% |
| MICHAEL FREDERICK FIERKE3 | 2631 HOLLY SPRINGS PKWY HOLLY SPRINGS, GA 30142 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36 | — | $36 | 0.04% |
| WORXSITEHR INSURANCE SOLUTIONS3 Filed as: WORXSITEHR INS SOLUTIONS INC | 21679 CALABASAS RD CALABASAS, CA 91302 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | — | $11K | 13.67% |
| MICHAEL FREDERICK FIERKE3 | 2631 HOLLY SPRINGS PKWY HOLLY SPRINGS, GA 30142 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $94 | — | $94 | 0.11% |
| WORXSITEHR INSURANCE SOLUTIONS3 Filed as: WORXSITEHR INS SLTNS INC | 23679 CALABASAS RD STE 514 CALABASAS, CA 91302 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 16.87% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC | PO BOX 31817 CHARLOTTE, NC 28231 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 8.13% |
| WORXSITEHR INSURANCE SOLUTIONS3 Filed as: WORXSITEHR INS SOLUTIONS INC | 23679 CALABASAS RD CALABASAS, CA 91302 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 14.60% |
| MICHAEL FREDERICK FIERKE3 | 2631 HOLLY SPRINGS PKWY HOLLY SPRINGS, GA 30142 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $164 | — | $164 | 0.47% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC | PO BOX 31817 CHARLOTTE, NC 28231 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 16.97% |
| WORXSITEHR INSURANCE SOLUTIONS3 Filed as: WORXSITEHR INS SLTNS INC | 23679 CALABASAS RD STE 514 CALABASAS, CA 91302 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $596 | $0 | $596 | 8.04% |
| SHERRON HOPPER3 | PO BOX 85206 LEXINGTON, SC 29073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 4.08% |
| DONALD B FAULKNER SR3 | 612 IVY GREEN LANE IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 4.08% |
| ADVANCED BENEFIT SYSTEM INC3 | 245 SEVEN FARMS DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| SANDRA J RUNION3 | 104 SIR EDWARDS LN LEXINGTON, SC 29702 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
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 | 14,188 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 14,192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | BLUE CHOICE HEALTH PLAN | 1,581 | $936K |
| Dental(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY | 14,188 | $600K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,470 | $50K |
| Life insurance(5 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 1,581 | $507K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 54 | $7K |
| Other(3 contracts, 3 carriers) | US LEGAL SERVICES, INC | 604 | $319K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,188 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.