| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS GUARANTY3 Filed as: BENEFITS GUARANTY LLC | 606 COX STREET SIMPSONVILLE, SC 29681 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $17K | $0 | $17K | 19.90% |
| SOUTHEAST INSURANCE GROUP INC3 Filed as: SOUTHEAST INSURANCE GROUP, INC. | 2340 HARDSCRABBLE RD COLUMBIA, SC 29223 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.97% |
| BENEFIT GUARANTY LLC3 | 725 LOWNDES HILL RD GREENVILLE, SC 29607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 11.60% |
| CWIBENEFITS INC3 Filed as: CWIBENEFITS INC. | PO BOX 6125 GREENVILLE, SC 29606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $525 | $525 | 1.74% |
| BENEFIT GUARANY LLC3 | 725 LOWNDES HILL RD GREENVILLE, SC 29607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 50.88% |
| CWIBENEFITS INC3 Filed as: CWIBENEFITS, INC. | PO BOX 6125 GREENVILLE, SC 29606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $389 | $389 | 7.62% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 268 | $30K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 182 | $11K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 158 | $5K |
| Short-term disability | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 985 | $88K |
| Stop-loss / reinsurancereinsurance | EXCESS REINSURANCE UNDERWRITERS AGENCY, INC. | 155 | $14K |
| Other(2 contracts, 2 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 985 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 985 | — |
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.