| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CASON GROUP INC3 Filed as: THE CASON GROUP INC. | 1612 MARION STREET, 4TH FLOOR COLUMBIA, SC 29201 | GUARDIAN | $17K | — | $17K | 5.00% |
| LEGACY RISK SOLUTIONS LLC3 Filed as: LEGACY RISK SOLUTIONS | PO BOX 2976 GAINESVILLE, GA 30503 | GUARDIAN | $6K | — | $6K | 1.88% |
| LEGACY RISK SOLUTIONS LLC3 | 434 GREEN STREET GAINESVILLE, GA 30501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | — | $10K | 23.57% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $763 | — | $763 | 1.87% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRINITY MARKETING SERVICES LLC EIN 86-2420737 REINSURANCE CARRIER | Other services Service code 49 | 65-E SCOTIA DRIVE PIKE ROAD, AL 36064 | $237K |
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 | 286 | 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) | 286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 286 | $341K |
| Vision | GUARDIAN | 286 | $341K |
| Life insurance | GUARDIAN | 286 | $341K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 286 | $382K |
| Long-term disability | GUARDIAN | 286 | $341K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 286 | $382K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.