| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT GUARANTY LLC3 | 606 COX STREET SIMPSONVILLE, SC 29681 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $364K | — | $364K | 22.07% |
| SOUTHEAST INS GRP3 | 2340 HARDSCRABBLE RD COLUMBIA, SC 29223 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $47K | — | $47K | 2.86% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CTR (EPIC) | PO BOX 734004 CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $246K | — | $246K | 20.15% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102159 PASADENA, CA 91189 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $94K | — | $94K | 7.77% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD STE 125 DULUTH, GA 30096 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $169K | $83K | $252K | 39.50% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD STE 200 DULUTH, GA 30096 | BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA | $33K | — | $33K | 5.79% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD STE 200 DULUTH, GA 30096 | BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA | $19K | — | $19K | 5.83% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD STE 200 DULUTH, GA 30096 | BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA | $15K | — | $15K | 4.99% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 6.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $810 | — | $810 | 0.46% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD STE 125 DULUTH, GA 30096 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $42K | — | $42K | 26.50% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD STE 125 DULUTH, GA 30096 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 26.50% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102159 PASADENA, CA 91189 | EYEMED VISION CARE | $3K | — | $3K | 8.37% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS-ATLANTA | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | EYEMED VISION CARE | $694 | — | $694 | 2.10% |
| MAXWELL HEALTH3 Filed as: MAXWELL HEALTH - BOR | 101 TREMONT ST. FL 11 BOSTON, MA 02108 | EYEMED VISION CARE | $693 | — | $693 | 2.10% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | EYEMED VISION CARE | $243 | — | $243 | 0.73% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD STE 200 DULUTH, GA 30096 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 15.78% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | PO BOX 511398 LOS ANGELES, CA 900517953 | METROPOLITAN LIFE INSURANCE COMPANY | — | $174 | $174 | 1.31% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD STE 200 DULUTH, GA 30096 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 19.91% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | PO BOX 511398 LOS ANGELES, CA 900517953 | METROPOLITAN LIFE INSURANCE COMPANY | — | $158 | $158 | 1.25% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD STE 200 DULUTH, GA 30096 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 19.94% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | PO BOX 511398 LOS ANGELES, CA 900517953 | METROPOLITAN LIFE INSURANCE COMPANY | — | $100 | $100 | 1.25% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD DULUTH, GA 30096 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 19.74% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | PO BOX 511398 LOS ANGELES, CA 900517953 | METROPOLITAN LIFE INSURANCE COMPANY | — | $81 | $81 | 1.23% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS | PO BOX 102159 PASADENA, CA 911892159 | HARTFORD LIFE AND ACCIDENT | $311 | $35 | $346 | 16.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Other services; Contract Administrator; Participant communication; Direct payment from the plan; Claims processing Service code 12 | — | $38K |
| AETNA BEHAVIORAL HEALTH LLC NONE | Plan Administrator Service code 14 | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $5K |
| CIGNA HEALTH & LIFE INSURANCE COMP | Participant communication; Other services; Contract Administrator; Non-monetary compensation; Named fiduciary; Float revenue; Direct payment from the plan; Claims processing Service code 12 | — | $202 |
| CIGNA | Contract Administrator; Other services; Float revenue; Claims processing; Non-monetary compensation; Named fiduciary; Participant communication; Direct payment from the plan Service code 12 | — | $0 |
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 | 5,278 | 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) | 5,279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 2,529 | $16.7M |
| Dental(3 contracts, 3 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 3,163 | $4.1M |
| Vision(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,163 | $1.4M |
| Life insurance(2 contracts, 2 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 1,334 | $1.8M |
| Short-term disability(4 contracts, 3 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 2,663 | $2.3M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 360 | $176K |
| Prescription drug(4 contracts) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 2,529 | $13.9M |
| Other(8 contracts, 5 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 3,402 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,402 | — |
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.