| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANCED VOLUNTARY CONCEPTS INC3 Filed as: ADVANCED VOLUNTARY CONCEPTS INC. | 75 SOUTH BROADWAY WHITE PLAINS, NY 10601 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $61K | $20K | $81K | 7.15% |
| ADVANCED VOLUNTARY CONCEPTS INC3 Filed as: ADVANCED VOLUNTARY CONCEPTS INC. | 75 SOUTH BROADWAY WHITE PLAINS, NY 10601 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $50K | $15K | $65K | 5.68% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $26K | $11K | $37K | 3.26% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $17K | $8K | $25K | 2.23% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DRIVE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $11K | $9K | $21K | 1.82% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DRIVE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $7K | $7K | $14K | 1.24% |
| PAMELA E JONES3 | 55 SHORELINE DRIVE COLUMBIA, SC 29229 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $10K | $3K | $13K | 1.12% |
| GRAEM M CLARK3 | 589 WINDMERE DRIVE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $4K | $8K | $12K | 1.06% |
| TRAN B HUYEN-KEODARA3 | 115 BENDING OAK COURT LEXINGTON, SC 29073 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $8K | $2K | $10K | 0.88% |
| ADVANCED BENEFIT SYSTEM INC3 | 245 SEVEN FARMS DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $5K | $4K | $9K | 0.83% |
| GRAEM M CLARK3 | 589 WINDMERE DRIVE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $2K | $5K | $8K | 0.67% |
| LAURA MCCLUNG PLYLER3 | 403 E. MAIN ST. LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $6K | $776 | $6K | 0.56% |
| EDWIN DURANT SPRADLEY3 | 1450 OLD SWAMP ROAD SWANSEA, SC 29160 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $5K | $55 | $5K | 0.48% |
| PAMELA E JONES3 | 55 SHORELINE DRIVE COLUMBIA, SC 29229 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $4K | $1K | $5K | 0.46% |
| DUPUY & ASSOCIATES INC3 | PO BOX 1131 ESTERO, FL 33928 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $5K | $451 | $5K | 0.46% |
| ADVANCED BENEFIT SYSTEM INC3 | 245 SEVEN FARMS DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $2K | $2K | $5K | 0.41% |
| GUSTAVO TODE3 | 20607 DUCK POND PLACE GERMANTOWN, MD 20874 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $4K | $390 | $5K | 0.40% |
| LAURA MCCLUNG PLYLER3 | 403 E. MAIN ST. LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $3K | $533 | $4K | 0.35% |
| ERNESTO MCKENZIE JR3 Filed as: ERNESTO MCKENZIE JR. | 8618 CHESTNUT RIDGE DR LAUREL, MD 20707 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $4K | $188 | $4K | 0.33% |
| CAROLINA REGIONAL INSURANCE3 | PO BOX 8808 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $3K | $179 | $3K | 0.29% |
| MICHELLE RENE WALKER3 | 25 DOVECREEK CIRCLE COLUMBIA, SC 29229 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $2K | $142 | $2K | 0.19% |
| COLLEEN A VOGAN3 | 5018 COBBLESTONE COURT ELLICOTT CITY, MD 21043 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $1K | $131 | $2K | 0.13% |
| ROBIN L HARRIS3 | 108 LAKE HILTON DRIVE CHAPIN, SC 29036 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $1K | $14 | $1K | 0.12% |
| JULIANE D BERRY3 | 5 CLUSTER ROAD COLUMBIA, SC 29210 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $1K | $57 | $1K | 0.12% |
| TRACIE ANN ROE3 | 2408 PAR DRIVE AUGUSTA, GA 30906 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $1K | $34 | $1K | 0.12% |
| ADAM CHRISTOPHER ANDERS3 | 812 WOODBERRY ROAD LEXINGTON, SC 29073 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $1K | $0 | $1K | 0.12% |
| MICHELLE RENE WALKER3 | 25 DOVECREEK CIRCLE COLUMBIA, SC 29229 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $1K | $67 | $1K | 0.11% |
| ROMEO TYRONE GAINEY3 | 1343 PARLIAMENT LAKE DRIVE COLUMBIA, SC 29223 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $948 | $243 | $1K | 0.10% |
| TERESA D'ASCOLI3 | 16905 VINE COURT OLNEY, MD 20832 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $1K | $31 | $1K | 0.09% |
| CAROLINA REGIONAL INSURANCE3 | PO BOX 8808 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $1K | $44 | $1K | 0.09% |
| TRACY L BOULINE3 | 301 LINDEN SHADE COURT MILLERSVILLE, MD 21108 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $1K | $0 | $1K | 0.09% |
| AMANDA K BERRY3 | 212 LAKESHIRE DRIVE LEXINGTON, SC 29073 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $923 | $29 | $952 | 0.08% |
| DAVID C REID LLC3 | 566 LANHAM ROAD EDGEFIELD, SC 29824 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $901 | $48 | $949 | 0.08% |
| KAY BARNES CRAPPS3 | 147 STERLING LAKE DRIVE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $874 | $9 | $883 | 0.08% |
| KIMBERLY ANN SHARPE3 Filed as: KIMBERLY A SHARPE | 1 JAHUE COURT IRMO, SC 29063 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $363 | $468 | $831 | 0.07% |
| MARTIN PHILLIP OCONNOR3 | 316 LIMESTONE RD CHAPIN, SC 29036 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $642 | $0 | $642 | 0.06% |
| MARY H GRIFFIN3 | 394 LEGEND OAKS DRIVE COLUMBIA, SC 29229 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $625 | $0 | $625 | 0.06% |
| MULLANEY ENTERPRISES LLC3 | 5850 WATERLOO ROAD COLUMBIA, MD 21043 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $494 | $127 | $621 | 0.05% |
| CRUZ CRUZ-HEREMURU3 | 437 IVYWOOD LANE BLYTHEWOOD, SC 29016 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $503 | $31 | $534 | 0.05% |
| ESQUEN INSURANCE GROUP CORP3 | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $374 | $135 | $509 | 0.04% |
| ADAM CHRISTOPHER ANDERS3 | 812 WOODBERRY ROAD LEXINGTON, SC 29073 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $493 | $0 | $493 | 0.04% |
| LILIENFIELD & ASSOCIATES LLC3 | 1100 HIGGINS PLACE ROCKVILLE, MD 20852 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $301 | $122 | $423 | 0.04% |
| ALISA GALE BIVINES3 | 12 KENMURE COURT COLUMBIA, SC 29229 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $414 | $0 | $414 | 0.04% |
| DEIRDRE B HOEHN3 | 30885 FRESH POND WAY OCEAN VIEW, DE 19970 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $409 | $0 | $409 | 0.04% |
| ROLANDO HIRAM DORTA3 | 3929 HAHNS LANE GREENSBORO, NC 27401 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $390 | $0 | $390 | 0.03% |
| EDWIN DURANT SPRADLEY3 | 1450 OLD SWAMP ROAD SWANSEA, SC 29160 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $295 | $3 | $298 | 0.03% |
| ROBIN L HARRIS3 | 108 LAKE HILTON DRIVE CHAPIN, SC 29036 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $261 | $3 | $264 | 0.02% |
| THELMA LOUISE WIGGINS3 | 115 CAMLIN COURT COLUMBIA, SC 29229 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $252 | $0 | $252 | 0.02% |
| CAROLYN GROVER3 | 206 FOX CHAPEL DRIVE IRMO, SC 29063 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $207 | $42 | $249 | 0.02% |
| BRYCE WILLIAM SMITH3 | 6109 ANSLEY FALLS DR CHARLOTTE, NC 28217 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $217 | $26 | $243 | 0.02% |
| JACK ALLEN NORRIS3 | 1204 LEXINGTON STREET STE 2B IRMO, SC 29063 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $216 | $0 | $216 | 0.02% |
| SUSAN ADELIA DAVIS3 | 5473 SCHLACK DRIVE GAP, PA 17527 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $209 | $0 | $209 | 0.02% |
| JESSIE R CAPLEY3 | 1716 STLLWATER DR COLUMBIA, SC 29212 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $208 | $0 | $208 | 0.02% |
| ROMEO TYRONE GAINEY3 | 1343 PARLIAMENT LAKE DRIVE COLUMBIA, SC 29223 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $89 | $30 | $119 | 0.01% |
| CAROLYN GROVER3 | 206 FOX CHAPEL DRIVE IRMO, SC 29063 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $92 | $19 | $111 | 0.01% |
| CRAIG WAYNE SOTTILE3 | 408 CEDAR PINES DR GREENVILLE, SC 29615 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $62 | $25 | $87 | 0.01% |
| DURWOOD BOOTH JR3 | 6231 HIGHAM DRIVE ALEXANDRIA, VA 22310 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $59 | $15 | $74 | 0.01% |
| DAVID ALVARADO3 | 2643 OLD COUNTY ROAD NEWARK, DE 19702 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $69 | $0 | $69 | 0.01% |
| FOUNDERS FINANCIAL GROUP LLC3 | 737 PLANTATION ROAD LANCASTER, SC 29720 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $35 | $30 | $65 | 0.01% |
| JACQUELINE GATHERS3 | 938 DOVEFIELD LANE LEXINGTON, SC 29073 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $61 | $0 | $61 | 0.01% |
| HOWARD HOROWITZ3 | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $45 | $10 | $55 | 0.00% |
| CHRISTINE CLARA SOBERANO3 | 4033 ROSEWOOD DR COLUMBIA, SC 29205 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $44 | $0 | $44 | 0.00% |
| MY CORE BENEFIT SOLUTIONS LLC3 | 2003 PHILLIPS TERRACE ANNAPOLIS, MD 21401 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $2 | $29 | $31 | 0.00% |
| JEFFREY MOTSCO3 | 5965 SANDY RIDGE ELKRIDGE, MD 21075 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $22 | $7 | $29 | 0.00% |
| JEANENE MOTSCO3 | 5965 SANDY RIDGE ELKRIDGE, MD 21075 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $22 | $5 | $27 | 0.00% |
| CAMBRIDGE FINANCIAL & INSURANCE GRO3 Filed as: CAMBRIDGE FIANCIAL & INSURANCE GROU | 35 BRENDON WAY STE D GREENVILLE, SC 29615 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $20 | $7 | $27 | 0.00% |
| KIMBERLY ANN SHARPE3 Filed as: KIMBERLY A ELSY | 1 JAHUE COURT IRMO, SC 29063 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $8 | $10 | $18 | 0.00% |
| CRAIG WAYNE SOTTILE3 | 408 CEDAR PINES DR GREENVILLE, SC 29615 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $9 | $4 | $13 | 0.00% |
| TIMOTHY J REED3 | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $9 | $1 | $10 | 0.00% |
| KEVIN O'NEILL3 | 5626 KIRKWOOD HWY WILMINTONG, DE 19808 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $3 | $2 | $5 | 0.00% |
| ROBERT H. ROTH3 | 9 DEARBORN LANE BEAR, DE 19701 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $3 | $1 | $4 | 0.00% |
| MONICA A MCKENZIE3 | 2009 HAYDEN RD HYATTSVILLE, MD 20782 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
| TERESA D'ASCOLI3 | 16905 VINE COURT OLNEY, MD 20832 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
| PARRISH J PEACHEE3 | 201 W 103RD ST INDIANAPOLIS, IN 46290 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| COLLEEN A VOGAN3 | 5018 COBBLESTONE COURT ELLICOTT CITY, MD 21043 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| DUPUY & ASSOCIATES INC3 | PO BOX 1131 ESTERO, FL 33928 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| BRAD BIEL3 | 225 GRAND ST JERSEY CITY, NJ 07302 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $0 | $1 | $1 | 0.00% |
| THE WORKSIGHT GROUP LLC3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| MULLANEY ENTERPRISES LLC3 | 5850 WATERLOO ROAD COLUMBIA, MD 21043 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| JEANENE MOTSCO3 | 5965 SANDY RIDGE ELKRIDGE, MD 21075 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| JEFFREY MOTSCO3 | 5965 SANDY RIDGE ELKRIDGE, MD 21075 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| ESQUEN INSURANCE GROUP CORP3 | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| PLANNED ADMINISTRATORS, INC.5 Filed as: PLANNED ADMINISTRATORS INCORPORATED | 8906 TWO NOTCH RD, STE. 200 COLUMBIA, SC 29223 | HM INSURANCE GROUP | — | $648K | $648K | 64.61% |
| PHCS5 Filed as: MULTIPLAN/PRIVATE HEALTH CARE SYSTE | 115 FIFTH AVE NEW YORK, NY 10003 | HM INSURANCE GROUP | — | $188K | $188K | 18.79% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NEACE LUKENS INSURANCE AGEN | 5309 N. TRENHOLM RD. COLUMBIA, SC 29206 | HM INSURANCE GROUP | — | $150K | $150K | 14.98% |
| BLUE CROSS BLUE SHIELD OF FLORIDA5 Filed as: BCBS | 2501 FARAWAY DR. COLUMBIA, SC 29219 | HM INSURANCE GROUP | — | $128K | $128K | 12.80% |
| HEALTHRISK RESOURCE GROUP, LLC5 Filed as: HEALTHRISK RESOURCE GROUP | 505 CITY PARKWAY WEST, SUITE 1000 ORANGE, CA 92868 | HM INSURANCE GROUP | — | $45K | $45K | 4.45% |
| FIRSTHEALTH5 | 6450 US HIGHWAY 1 ROCKLEDGE, FL 32955 | HM INSURANCE GROUP | — | $3K | $3K | 0.25% |
| GCG FINANCIAL LLC5 Filed as: ALERE WELLBEING, INC. | 999 3RD AVE STE 2100 SEATTLE, WA 98104 | HM INSURANCE GROUP | — | $2K | $2K | 0.15% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NEACE LUKENS INSURANCE AGEN | 3000 MERIDIAN BLVD STE 100 FRANKLIN, TN 37067 | SUN LIFE FINANCIAL | $47K | — | $47K | 4.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 115 CENTRAL ISLAND ST STE 100 CHARLESTON, SC 29492 | SUN LIFE FINANCIAL | $34K | — | $34K | 3.55% |
| THE CLARK GROUP OF SC3 Filed as: CLARK GRAEM | 403 E MAIN ST UNIT C LEXINGTON, SC 29072 | SUN LIFE FINANCIAL | $11K | — | $11K | 1.18% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY CHRISTOPHER | 215 HOGAN WAY LEXINGTON, SC 29072 | SUN LIFE FINANCIAL | $11K | — | $11K | 1.18% |
| GALLAGHER BENEFIT SERVICES, INC.0 Filed as: GALLAGHER BENEFIT SERVICES INC | 1012 E WALL STREET MT PLEASANT, SC 29464 | GUARDIAN | $51K | $3K | $54K | 21.36% |
| GRAEM M CLARK3 | 113 PALM COURT LEXINGTON, SC 29072 | GUARDIAN | $17K | — | $17K | 6.75% |
| CHRISTOPHER MICHAEL SHEALY3 | 215 HOGAN WAY LEXINGTON, SC 29072 | GUARDIAN | $17K | — | $17K | 6.75% |
| PAUL STANLEY JR3 Filed as: PAUL STANLEY | — | GUARDIAN | — | $3K | $3K | 1.00% |
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 | 2,354 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 388 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,744 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HM INSURANCE GROUP | 2,354 | $1.0M |
| Dental | GUARDIAN | 2,117 | $254K |
| Vision | GUARDIAN | 2,117 | $254K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | 2,729 | $2.1M |
| Short-term disability | SUN LIFE FINANCIAL | 2,729 | $951K |
| Long-term disability | SUN LIFE FINANCIAL | 2,729 | $951K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,729 | — |
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.