| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CWI BENEFITS, INC.3 Filed as: CWI BENEFITS INC | PO BOX 6125 GREENVILLE, SC 29606 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | $0 | $14K | 10.00% |
| CWI BENEFITS, INC.3 Filed as: CWI BENEFITS, INC | PO BOX 6125 GREENVILE, SC 29606 | DELTA DENTAL OF MISSOURI | $9K | $0 | $9K | 6.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BO X203491 DALLAS, TX 75320 | DELTA DENTAL OF MISSOURI | $3K | $0 | $3K | 2.52% |
| CWI BENEFITS, INC.3 | UNKNOWN SUMMERVILLE, SC 294839621 | SUPERIOR VISION PLAN | $1K | $0 | $1K | 7.24% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | UNKNOWN SUMMERVILLE, SC 294839621 | SUPERIOR VISION PLAN | $523 | $0 | $523 | 2.59% |
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 | 216 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 357 | $131K |
| Vision | SUPERIOR VISION PLAN | 281 | $20K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 216 | $142K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 216 | $142K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 216 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 357 | — |
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.