| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE APPLICATIONS GROUP3 | 220 N MAIN STREET GREENVILLE, SC 29601 | BCS INSURANCE COMPANY | $166K | — | $166K | 10.61% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD STE 200 DULUTH, GA 30096 | BCS INSURANCE COMPANY | $118K | — | $118K | 7.53% |
| THE MCCART GROUP INC3 Filed as: THE MCCART GROUP, INC. | 2405 SATELLITE BLVD STE 200 DULUTH, GA 30096 | BCS INSURANCE COMPANY | $2K | — | $2K | 0.15% |
| THE MCCART GROUP INC3 Filed as: THE MCCART GROUP | 2405 SATELLITE BLVD SUITE 2000 DULUTH, GA 30096 | GREATER GEORGIA LIFE INSURANCE COMPANY | $167K | — | $167K | 29.09% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $58K | $801 | $59K | 11.23% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NC) INC | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 2.86% |
| INSURANCE APPLICATIONS GROUP3 | 220 N MAIN STREET GREENVILLE, SC 29601 | 4 EVER LIFE INSURANCE COMPANY | $14K | — | $14K | 10.23% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD STE 200 DULUTH, GA 30096 | 4 EVER LIFE INSURANCE COMPANY | $9K | — | $9K | 6.79% |
| THE MCCART GROUP INC3 Filed as: THE MCCART GROUP, INC. | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | 4 EVER LIFE INSURANCE COMPANY | $289 | — | $289 | 0.21% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD DULUTH, GA 30096 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14K | $2K | $16K | 18.53% |
| KID INSURANCE BENEFITS INC3 | 9085 BETHEL RD GAINESVILLE, GA 30506 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $4K | $8K | 9.14% |
| NORMAC SOLUTIONS INC3 | 3730 EVEREST DR MONTGOMERY, AL 36106 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $974 | $4K | 4.01% |
| CAROLE H WARREN3 | 1300 27TH PLACE SOUTH BIRMINGHAM, AL 35205 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $522 | $2K | 2.06% |
| CD FRAZIER ASSOCIATES INC3 | 8631 STONEFACE ROAD CHARLOTTE, NC 28214 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $95 | $2K | 2.04% |
| CAROL PURDY FIELDS3 | 204 POTOMAC COURT WOODSTOCK, GA 30188 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $170 | $1K | 1.52% |
| JESSIE R CAPLEY3 | 1716 STILWATER DR COLUMBIA, SC 29212 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $828 | $147 | $975 | 1.11% |
| TULLY AND COMPANY INC3 | 1926 STONE BRIDGE LANE MARIETTA, GA 30064 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $581 | $123 | $704 | 0.80% |
| STEVEN P MOORE3 | 500 BEAR DR GREENVILLE, SC 29605 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $671 | — | $671 | 0.76% |
| THOMAS WAYNE FIELDS3 | 204 POTOMAC CT WOODSTOCK, GA 30188 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $441 | $13 | $454 | 0.52% |
| WILLIAM T MILLER3 | 2908 OTRANTO ROAD NORTH CHARLESTON, SC 29406 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $382 | $37 | $419 | 0.48% |
| CAROLYN MILLER3 | 2897 BOHICKET ROAD JOHNS ISLAND, SC 29455 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $322 | $61 | $383 | 0.43% |
| ADVANCED BENEFIT SYSTEM INC3 | 245 SEVEN FARMS DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $98 | $154 | $252 | 0.29% |
| DANIEL HALL3 | P.O. BOX 567081 ATLANTA, GA 31156 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $234 | $8 | $242 | 0.27% |
| BARBARA J LAKE3 | 226 N HIGH ST MORRISTOWN, IN 46161 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $200 | $13 | $213 | 0.24% |
| DAVID MASON DOKELL3 | 127 GREAT POINT DR MOORESVILLE, NC 28117 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $142 | $45 | $187 | 0.21% |
| MARIA VERONICA JARQUE3 | 8366 VIA SONOMA UNIT E LA JOLLA, CA 92037 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $150 | $33 | $183 | 0.21% |
| NORTH FLORIDA BENEFIT SOLUTIONS INC3 | 12659-1 PLUMMER GRANT ROAD JACKSONVILLE, FL 32258 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $174 | $7 | $181 | 0.21% |
| LAURIE J BURNS3 | 303 PLYLER ROAD INDIAN TRAIL, NE 28079 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $151 | $14 | $165 | 0.19% |
| ASSUREDPARTNERS3 Filed as: JENNIFER ROSE SMITH | 4920 W SAN RAFAEL ST TAMPA, FL 33629 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $136 | $21 | $157 | 0.18% |
| PAUL STANLEY JR3 | 880 JOHNNY DODD BLVD MT PLEASANT, SC 29464 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $59 | $44 | $103 | 0.12% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $34 | $25 | $59 | 0.07% |
| CAMBRIDGE FINANCIAL & INSURANCE GRO3 | 35 BRENDON WAY STE D GREENVILLE, SC 29615 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $35 | $17 | $52 | 0.06% |
| LAURA B WETT3 | 8496 100TH ST. E. NORTHFIELD, MN 55057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $44 | $3 | $47 | 0.05% |
| HOBART BRADLEY MCCOLLUM3 | 1479 FIRE TOWER ROAD PROSPERITY, SC 29127 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.04% |
| JEFFREY D BRINDLE3 | 10811 LAKEVIEW DRIVE CARMEL, IN 46033 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.02% |
| NORTH FLORIDA BROKER SOLUTIONS LLC3 | 1550 HARRINGTON PARK DRIVE JACKSONVILLE, FL 32225 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $6 | $16 | 0.02% |
| KURT LOREN UNGLAUB3 | 221 WARREN AVE THOMASVILLE, GA 31792 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $7 | $12 | 0.01% |
| JAKORP INC3 | 15254 WINESPRINGS CT SAN DIEGO, CA 92127 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $4 | $10 | 0.01% |
| MICHAEL C WALKER3 Filed as: MICHAEL J MINNEY | P.O. BOX 365 POWAY, CA 92074 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $3 | $9 | 0.01% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $4 | $8 | 0.01% |
| WILLIAM BENJAMIN KIRKLAND3 | 1899 ATKINSON BLVD W PEARSON, GA 31642 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| ANNALIESE CLARK3 | 1336 HIDEAWAY DR S SAINT JOHNS, FL 32259 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD STE 200 DULUTH, GA 30096 | COMPANION LIFE INSURANCE COMPANY | $5K | — | $5K | 6.81% |
| INSURANCE APPLICATIONS GROUP3 | 220 N MAIN STREET GREENVILLE, SC 29601 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 3.00% |
| THE MCCART GROUP INC3 Filed as: THE MCCART GROUP, INC. | 2405 SATELLITE BLVD STE 200 DULUTH, GA 30096 | COMPANION LIFE INSURANCE COMPANY | $140 | — | $140 | 0.19% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS-ATLANTA | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | EYEMED VISION CARE | $2K | — | $2K | 9.15% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 80 INTERNATIONAL DR STE 425 GREENVILLE, SC 29615 | HARTFORD LIFE AND ACCIDENT | $311 | — | $311 | 15.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PLANNED ADMINISTRATORS, INC. EIN 57-0718839 NONE | Plan Administrator Service code 14 | — | $277K |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Participant communication; Claims processing; Other services; Direct payment from the plan; Contract Administrator Service code 12 | — | $72K |
| CIGNA HEALTH & LIFE INSURANCE COMP | Non-monetary compensation; Claims processing; Other services; Float revenue; Named fiduciary; Participant communication; Contract Administrator; Direct payment from the plan Service code 12 | — | $248 |
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 | 4,463 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,474 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BCS INSURANCE COMPANY | 932 | $2.1M |
| Dental(2 contracts, 2 carriers) | BCS INSURANCE COMPANY | 932 | $2.1M |
| Vision(2 contracts, 2 carriers) | BCS INSURANCE COMPANY | 932 | $1.6M |
| Life insurance(3 contracts, 3 carriers) | GREATER GEORGIA LIFE INSURANCE COMPANY | 5,388 | $901K |
| Short-term disability(3 contracts, 3 carriers) | GREATER GEORGIA LIFE INSURANCE COMPANY | 5,388 | $799K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 192 | $191K |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 593 | $354K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,388 | — |
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.
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.