| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 150 NORTH MICHIGAN AVENUE SUITE 3900 CHICAGO, IL 60601 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $54K | $0 | $54K | 22.22% |
| LORIE TROWBRIDGE3 | 202 SPRINGRISE LANE SUMMERVILLE, SC 29486 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | $0 | $12K | 6.00% |
| C & K BENEFITS LLC3 Filed as: C AND K BENEFITS LLC | 106 RENAISSANCE CIRCLE MAULDIN, SC 29662 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 4.50% |
| SHANNON TROWBRIDGE3 | 202 SPRINGRISE LANE SUMMERVILLE, SC 29486 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 1.78% |
| CORY L SMITH3 Filed as: CORY L. SMITHE AND OTHER AGENTS | 67 REGENT AVENUE BLUFFTON, SC 29910 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 1.48% |
| VOLUNTARY BENEFITS AT WORK3 | 1820 THE EXCHANGE, SUITE 750 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.12% |
| BARRY KINCER3 | PO BOX 2385 SUMMERVILLE, SC 29484 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.89% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD, SUITE 800 ATLANTA, GA 30305 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.65% |
| C & K BENEFITS LLC3 Filed as: C AND K BENEFITS LLC | 106 RENAISSANCE CIRCLE MAULDIN, SC 29662 | TRANSAMERICA LIFE INSURANCE COMPANY | $17K | $0 | $17K | 23.59% |
| SHANNON TROWBRIDGE3 | 126 CYPRESS VIEW ROAD GOOSE CREEK, SC 29445 | TRANSAMERICA LIFE INSURANCE COMPANY | $14K | $0 | $14K | 18.89% |
| BENEFITS INC3 Filed as: BENEFITS GROUP, INC. | PO BOX 2385 SUMMERVILLE, SC 29484 | TRANSAMERICA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 11.74% |
| VOLUNTARY BENEFITS AT WORK3 | 1820 THE EXCHANGE, SUITE 750 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 7.96% |
| CORY L SMITH3 Filed as: CORY L. SMITH AND OTHER AGENTS | 67 REGENT AVENUE BLUFFTON, SC 29910 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 6.54% |
| LISA R. MOORE3 | 109 HICKS STREET CHERRYVILLE, NC 28021 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 6.13% |
| GREGORY S. WATSON3 | 516 HENDERSON CIRCLE GREER, SC 29650 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 6.06% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 201503 DALLAS, TX 75320 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $4K | $0 | $4K | 9.21% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD, SUITE 800 ATLANTA, GA 30305 | ZURICH AMERICAN INSURANCE COMPANY | $246 | $0 | $246 | 14.99% |
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 | 533 | 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) | 533 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 865 | $46K |
| Life insurance(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 529 | $314K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 529 | $242K |
| Other(4 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 533 | $446K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 865 | — |
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.