| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C & K BENEFITS LLC3 | 106 RENAISSANE CIRCLE MAUDLIN, SC 29662 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $30K | — | $30K | 14.36% |
| UNITED PRODUCERS GROUP LLC3 | 1439 STUART ENGALS BLVD MT PLEASANT, SC 29464 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $13K | $13K | 6.33% |
| CIGNA5 Filed as: CIGNA HEALTH & LIFE | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $8K | $8K | 4.02% |
| C & K BENEFITS LLC3 | 106 RENAISSANE CIRCLE MAUDLIN, SC 29662 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 20.00% |
| UNITED PRODUCERS GROUP LLC3 | 1439 STUART ENGALS BLVD MT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| C & K BENEFITS LLC3 | 106 RENAISSANE CIRCLE MAUDLIN, SC 29662 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $190 | $190 | 0.84% |
| UNITED PRODUCERS GROUP LLC3 | 1439 STUART ENGALS BLVD MT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $709 | $709 | 5.00% |
| C & K BENEFITS LLC3 | 106 RENAISSANE CIRCLE MAULDIN, SC 29662 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $567 | — | $567 | 4.00% |
| C & K BENEFITS LLC3 | 106 RENAISSANE CIRCLE MAULDIN, SC 29662 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $104 | $104 | 0.73% |
| UNITED PRODUCERS GROUP LLC3 | 1439 STUART ENGALS BLVD MT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $633 | $633 | 5.00% |
| C & K BENEFITS LLC3 | 106 RENAISSANE CIRCLE MAULDIN, SC 29662 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $98 | $98 | 0.77% |
| C & K BENEFITS LLC3 | 106 RENAISSANE CIRCLE MAULDIN, SC 29662 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| UNITED PRODUCERS GROUP LLC3 | 1439 STUART ENGALS BLVD MT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $570 | $570 | 5.00% |
| C & K BENEFITS LLC3 | 106 RENAISSANE CIRCLE MAULDIN, SC 29662 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $89 | $89 | 0.78% |
| C & K BENEFITS LLC3 | 106 RENAISSANE CIRCLE MAULDIN, SC 29662 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $673 | — | $673 | 10.01% |
| UNITED PRODUCERS GROUP LLC3 | 1439 STUART ENGALS BLVD MT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $336 | $336 | 5.00% |
| C & K BENEFITS LLC3 | 106 RENAISSANE CIRCLE MAULDIN, SC 29662 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $51 | $51 | 0.76% |
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 | 95 | 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) | 95 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 93 | $208K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 93 | $208K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 51 | $7K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 95 | $34K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 95 | $34K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 95 | $13K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 93 | $208K |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 93 | $222K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 95 | — |
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.