| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 150 NORTH MICHIGAN AVENUE SUITE 3900 CHICAGO, IL 60601 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $59K | $0 | $59K | 15.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | P.O. BOX 203066 DALLAS, TX 75320 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $0 | $1K | $1K | 0.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203066 DALLAS, TX 75320 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $898 | $0 | $898 | 0.24% |
| LORIE TROWBRIDGE3 Filed as: LORIE AND SHANNON TROWBRIDGE | 202 SPRINGRISE LANE SUMMERVILLE, SC 29486 | CONTINENTAL AMERICAN INSURANCE COMPANY | $52K | $0 | $52K | 26.35% |
| C & K BENEFITS LLC3 Filed as: C AND K BENEFITS LLC | 106 RENAISSANCE CIRCLE MAULDIN, SC 29662 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35K | $0 | $35K | 18.06% |
| KAREN JULIAN-SMITH3 Filed as: KAREN SMITH AND KIRSTEN FRYER | 670 REGENT AVENUE BLUFFTON, SC 29910 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 4.36% |
| VOLUNTARY BENEFITS AT WORK3 | 1820 THE EXCHANGE SUITE 750 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 4.09% |
| BARRY KINCER3 | PO BOX 2385 SUMMERVILLE, SC 29484 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 2.90% |
| CORY L SMITH3 | 67 REGENT AVENUE BLUFFTON, SC 29910 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 2.55% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 3475 PIEDMONT ROAD SUITE 800 ATLANTA, GA 30305 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 2.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | P.O. BOX 201503 DALLAS, TX 75320 | EYEMED VISION CARE | $4K | $0 | $4K | 7.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 600 HIGHWAY 169 SOUTH, SUITE 1200 ST. LOUIS, MN 55426 | EYEMED VISION CARE | $940 | $0 | $940 | 2.03% |
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 | 565 | 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) | 565 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 97 | $713K |
| Vision | EYEMED VISION CARE | 875 | $46K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 470 | $379K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 470 | $379K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 470 | $379K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 97 | $713K |
| Other(3 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 470 | $575K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 875 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.