| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MULTIPLE AGENTS*3 Filed as: MULTIPLE AGENTS PAID | DETAIL ATTACHED C/O AFLAC 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $23K | $986 | $24K | 17.29% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $6K | $21K | 15.86% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $7K | $12K | 19.70% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | EYEMED VISION CARE | $3K | $10 | $3K | 10.48% |
| MULTIPLE AGENTS*3 Filed as: MULTIPLE AGENTS PAID | DETAIL ATTACHED C/O AFLAC 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $2K | $38 | $2K | 12.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCBS OF SOUTH CAROLINA EIN 57-0287419 MED ADMIN | Claims processing; Contract Administrator Service code 12 | — | $192K |
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 | 508 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 524 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AFLAC | 173 | $153K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 335 | $132K |
| Vision | EYEMED VISION CARE | 417 | $33K |
| Life insurance(3 contracts, 2 carriers) | AFLAC | 508 | $216K |
| Short-term disability(2 contracts) | AFLAC | 173 | $153K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 508 | $63K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 508 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 508 | — |
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."
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.