| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT GUARANTY LLC3 | 606 COX STREET SIMPSONVILLE, SC 29681 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $291K | — | $291K | 29.01% |
| INSGROUP INC3 Filed as: SOUTHEAST INS GROUP - BIC | 2340 HARDSCRABBLE RD COLUMBIA, SC 29223 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $29K | — | $29K | 2.85% |
| SOUTHEAST INSURANCE GROUP INC3 | 2340 HARDSCRABBLE RD COLUMBIA, SC 29681 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $12 | — | $12 | 0.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 5151 SAN FELIPE ST. STE 1800 HOUSTON, TX 770563631 | UNITEDHEALTHCARE INSURANCE COMPANY | $55K | — | $55K | 5.78% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE BROKERS & CONSULTANT | — | GRANULAR INSURANCE COMPANY | — | $46K | $46K | 5.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CTR (EPIC) | P.O. BOX 734004 CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $127K | — | $127K | 19.50% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $121K | $60K | $181K | 39.50% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | 2405 SATELLITE BLVD STE 200 DULUTH, GA 30096 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $20K | — | $20K | 5.09% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | — | COMBINED INSURANCE COMPANY OF AMERICA | $92K | — | $92K | 25.01% |
| AUSTEN POWELL3 | — | COMBINED INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 1.76% |
| BRIAN E. JUND3 Filed as: BRIAN E JUND | — | COMBINED INSURANCE COMPANY OF AMERICA | $790 | — | $790 | 0.22% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | — | COMBINED INSURANCE COMPANY OF AMERICA | $340 | — | $340 | 0.09% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA | $7K | — | $7K | 5.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | 2405 SATELLITE BLVD STE 200 DULUTH, GA 30096 | BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA | $6K | — | $6K | 5.12% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $29K | — | $29K | 26.50% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102159 PASADENA, CA 91189 | SUN LIFE ASSURANCE COMPANY OF CANADA | $28K | — | $28K | 26.43% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD STE 800 CONCORD, CA 94520 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 5.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD STE 800 CONCORD, CA 94520 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 8.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD STE 800 CONCORD, CA 94520 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 5.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD #800 CONCORD, CA 94520 | EYEMED VISION CARE | $3K | — | $3K | 10.08% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 26.50% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $987 | — | $987 | 7.13% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CTR | PO BOX 102158 DULUTH, GA 30096 | HARTFORD LIFE AND ACCIDENT | $311 | — | $311 | 15.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 CONTRACT ADMINISTRATOR | Insurance agents and brokers; Claims processing; Contract Administrator Service code 12 | — | $251K |
| EPIC INSURANCE BROKERS & CONSULTANT EIN 94-3195221 NONE | Insurance agents and brokers Service code 22 | — | $46K |
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 NONE | Participant communication; Named fiduciary; Other services; Non-monetary compensation; Claims processing; Contract Administrator; Float revenue; Direct payment from the plan Service code 12 | — | $38K |
| HEALTH ADVOCATE SOLUTIONS INC. EIN 23-3080019 NONE | Other services Service code 49 | 721 ARBOR WAY SUITE 150 BLUE BELL, PA 19422 | $5K |
| CIGNA | Named fiduciary; Participant communication; Float revenue; Claims processing; Other services; Direct payment from the plan; Contract Administrator; Non-monetary compensation Service code 12 | — | $0 |
| EDGEWOOD PARTNERS INS CTR (EPIC) NONE | Insurance brokerage commissions and fees Service code 53 | P.O. BOX 734004 CHICAGO, IL 60673 | $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 | 2,624 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,629 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 5 carriers) | AETNA LIFE INSURANCE CO. | 2,356 | $12.4M |
| Dental(3 contracts, 3 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 2,061 | $1.7M |
| Vision(2 contracts, 2 carriers) | METLIFE GOVERNMENT CONTRATORS FRINGE BENEFIT TRUST | 3,622 | $78K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 1,075 | $1.1M |
| Short-term disability(3 contracts, 2 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 1,075 | $1.6M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 345 | $78K |
| Prescription drug(4 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 70 | $738K |
| Stop-loss / reinsurancereinsurance | GRANULAR INSURANCE COMPANY | 279 | $914K |
| Other(7 contracts, 5 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 3,878 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,878 | — |
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.