| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 3860 FABER PLACE DRIVE SUITE 400 NORTH CHARLESTON, SC 29405 | SUN LIFE ASSURANCE COMPANY OF CANADA | $49K | — | $49K | 5.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC. | 115 CENTRAL ISLAND ST, STE 100 CHARLESTON, SC 29492 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | — | $15K | 1.60% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 840 CRESENT CENTRE DRIVE STE 300 FRANKLIN, TN 37067 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | — | $13K | 1.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD GBS FINANCE, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $8K | $8K | 0.90% |
| THE CLARK GROUP OF SC3 Filed as: CLARK, GRAEM M | 220 E MAIN ST. LEXINGTON, SC 29072 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 0.53% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY, CHRISTOPHER MICHAEL | 201 CAUGHMAN FARM LN. LEXINGTON, SC 29072 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 0.53% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES, INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15K | $7K | $22K | 4.44% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 4500 TOWN CENTER BLVD, STE 200 JEFFERSONVILLE, IN 47130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16K | $1K | $17K | 3.46% |
| ADVANCED VOLUNTARY CONCEPTS INC3 Filed as: ADVANCED VOLUNTARY CONCEPTS, INC. | 75 SOUTH BROADWAY WHITE PLAINS, NY 10601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | $1K | $14K | 2.92% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DRIVE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $6K | $14K | 2.77% |
| PAMELA E JONES3 | 55 SHORELINE DRIVE COLUMBIA, SC 29229 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 1.02% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM, INC. | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $4K | 0.87% |
| LAURA MCCLUNG PLYLER3 | 547 BIMINI TWIST CIR LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $257 | $3K | 0.65% |
| EDWIN DURANT SPRADLEY3 | 1450 OLD SWAMP RD SWANSEA, SC 29160 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 0.56% |
| TRAN B HUYEN-KEODARA3 | 115 BENDING OAK COURT LEXINGTON, SC 29073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $70 | $2K | 0.49% |
| MARTIN PHILLIP OCONNOR3 Filed as: MARTIN PHILLIP OCONNER | 316 LIMESTONE RD. CHAPIN, SC 29036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $43 | $1K | 0.29% |
| JACK ALLEN NORRIS3 | 2439 DUTCH BRANCH ROAD COLUMBIA, SC 29210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $103 | $1K | 0.23% |
| SCOTT RENZE DEGROOT3 | 1720 ROMAIN DRIVE COLUMBIA, SC 29210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $890 | $37 | $927 | 0.19% |
| CRUZ CRUZ-HEREMURU3 | 6 KENSINGTON COURT W ELGIN, SC 29045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $889 | $20 | $909 | 0.18% |
| MICHELLE RENE WALKER3 | 25 DOVECREEK CIRCLE COLUMBIA, SC 29229 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $770 | $64 | $834 | 0.17% |
| JAMES M MAYFIELD3 | 1600 MURRAYWOOD CT COLUMBIA, SC 29212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $532 | — | $532 | 0.11% |
| ROMEO TYRONE GAINEY3 | 1343 PARLIAMENT LAKE DRIVE COLUMBIA, SC 29223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $407 | $105 | $512 | 0.10% |
| WENDY O LANGSTON3 | 120 LONGWOOD PASS IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $498 | $11 | $509 | 0.10% |
| KAY BARNES CRAPPS3 | 147 STERLING LAKE DRIVE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $390 | — | $390 | 0.08% |
| CHRISTINA ANN FUNDERBUNK3 Filed as: CHRISTINA ANN FUNDERBURK | 207 LOCKWOOD DRIVE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $348 | $7 | $355 | 0.07% |
| JULIANE D BERRY3 | 212 LAKESHIRE DRIVE LEXINGTON, SC 29073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $302 | $16 | $318 | 0.06% |
| ROBIN L HARRIS3 | 108 LAKE HILTON DRIVE CHAPIN, SC 29036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $293 | — | $293 | 0.06% |
| WORTHAM SAN ANTONIO INC3 Filed as: SHARON WORTHAM BORDEN | 116 MAGNOLIA KEY DRIVE CHAPIN, SC 29036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $235 | $53 | $288 | 0.06% |
| CAMBRIDGE FINANCIAL & INSURANCE GRO3 | 88 VILLA ROAD GREENVILLE, SC 29615 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $166 | $77 | $243 | 0.05% |
| GARY LYNN HALLAM3 | P.O. BOX 291721 COLUMBIA, SC 29229 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $188 | $48 | $236 | 0.05% |
| CAROLINA REGIONAL INSURANCE3 | P.O. BOX 8808 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $226 | — | $226 | 0.05% |
| AMANDA K BERRY3 | 212 LAKESHIRE DRIVE LEXINGTON, SC 29073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $177 | $13 | $190 | 0.04% |
| KIMBERLY ANN SHARPE3 | 1 JAHUE CT IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $121 | $69 | $190 | 0.04% |
| DAVID C REID LLC3 Filed as: DAVID C REID, LLC | 566 LANHAM ROAD EDGEFIELD, SC 29824 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $177 | — | $177 | 0.04% |
| BRYCE WILLIAM SMITH3 | 6109 ANSLEY FALLS DR CHARLOTTE, NC 28217 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $148 | $8 | $156 | 0.03% |
| MARY H GRIFFIN3 | 394 LEGEND OAKS DRIVE COLUMBIA, SC 29229 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | $77 | $154 | 0.03% |
| KRISTEN T NEAL3 | 128 CHIMNEY HILL ROAD COLUMBIA, SC 29209 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $149 | — | $149 | 0.03% |
| JESSIE R CAPLEY3 | 1716 STILLWATER DRIVE COLUMBIA, SC 29212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $99 | — | $99 | 0.02% |
| ADAM CHRISTOPHER ANDERS3 | 812 WOODBERRY RD LEXINGTON, SC 29073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | — | $66 | 0.01% |
| CAROLYN GROVER3 | 206 FOX CHAPEL DR. IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | $1 | $50 | 0.01% |
| CRAIG WAYNE SOTTILE3 | 408 CEDAR PINES DRIVE GREENVILLE, SC 29615 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $2 | $27 | 0.01% |
| KAREN LINDER-STAUBS3 | 2510 PROCTOR LANE BALTIMORE, MD 21234 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $1 | $14 | 0.00% |
| ERIN WIGGINS3 | 2036 TELFAIR WAY CHARLESTON, SC 29412 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| KIMBERLY FERGUSON3 | 168 RIDGEWOOD DRIVE OAKLAND, MD 21550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES, INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | $6K | $17K | 4.49% |
| ADVANCED VOLUNTARY CONCEPTS INC3 Filed as: ADVANCED VOLUNTARY CONCEPTS, INC. | 75 SOUTH BROADWAY WHITE PLAINS, NY 10601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14K | $2K | $16K | 4.16% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 4500 TOWN CENTER BLVD, STE 200 JEFFERSONVILLE, IN 47130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | $1K | $14K | 3.77% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DR LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $4K | $10K | 2.64% |
| GUSTAVO TODE3 | 20607 DUCK POND PL GERMANTOWN, MD 20874 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $465 | $5K | 1.24% |
| LAURA MCCLUNG PLYLER3 | 547 BIMINI TWIST CIR LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $224 | $2K | 0.64% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM, INC. | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $680 | $2K | 0.54% |
| VICTORIA L FLYNN3 | 7009 FAIRVIEW ROAD CORRYTON, TN 37721 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $203 | $2K | 0.45% |
| BENJAMIN DARANG3 | 2902 NW 48 AVE APT 167 LAUDERDALE LAKES, FL 33313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $37 | $2K | 0.45% |
| COLLEEN A VOGAN3 | 5018 COBBLESTONE COURT ELLICOTT CITY, MD 21043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $163 | $2K | 0.43% |
| ERNESTO MCKENZIE JR3 | 8293 WB AND A RD SEVERN, MD 21144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.42% |
| DUPUY & ASSOCIATES INC3 Filed as: DUPUY & ASSOCIATES, INC. | P.O. BOX 1131 ESTERO, FL 33928 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $219 | $1K | 0.39% |
| PAMELA E JONES3 | 55 SHORELINE DRIVE COLUMBIA, SC 29229 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $921 | $193 | $1K | 0.30% |
| MULLANEY ENTERPRISES LLC3 Filed as: MULLANEY ENTERPRISES, LLC. | 5850 WATERLOO ROAD COLUMBIA, MD 21043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $702 | $371 | $1K | 0.29% |
| CAROLINA REGIONAL INSURANCE3 | P.O. BOX 8808 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $646 | $10 | $656 | 0.17% |
| MICHELLE RENE WALKER3 | 25 DOVECREEK CIRCLE COLUMBIA, SC 29229 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $516 | $36 | $552 | 0.15% |
| KAREN LINDER-STAUBS3 | 2510 PROCTOR LANE BALTIMORE, MD 21234 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $468 | $26 | $494 | 0.13% |
| KIMANI MATTHEW3 | 153 SOUTH 11TH AVE. MT. VERNON, NY 10550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $350 | $77 | $427 | 0.11% |
| JOSEPH M TAMER3 | 6500 PAPERMILL DRIVE KNOXVILLE, TN 37919 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $261 | $133 | $394 | 0.10% |
| ESQUEN INSURANCE GROUP CORP3 | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $289 | $55 | $344 | 0.09% |
| LILIENFIELD & ASSOCIATES LLC3 Filed as: LILIENFIELD & ASSOCIATES, LLC. | 1100 HIGGINS PLACE ROCKVILLE, MD 20852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $300 | $34 | $334 | 0.09% |
| EILEEN ELSA HILL3 Filed as: EILEEN ELSA HALL | 265 COOL BRANCH BLVD SEAFORD, DE 19973 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $293 | — | $293 | 0.08% |
| TERESA D'ASCOLI3 | 35710 CLAMSHELL CIRCLE SELBYVILLE, DE 19975 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $290 | — | $290 | 0.08% |
| TONY RAY GALLARDO3 | 43714 ASHBURN, VA 20147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $232 | — | $232 | 0.06% |
| JAMES MARTIN CONLEY3 | 923 BREAKWATER DR. ANNAPOLIS, MD 21403 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $196 | $33 | $229 | 0.06% |
| DEIRDRE B HOEHN3 | 30885 FRESH POND WAY OCEAN VIEW, DE 19970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $226 | — | $226 | 0.06% |
| MOHAMED SENTISSI3 | 919 N LINCOLN ST ARLINGTON, VA 22201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | $80 | $120 | 0.03% |
| DAVID MICHAEL LAMORTE3 | P.O. BOX 3803 DANBURY, CT 06813 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | $55 | $116 | 0.03% |
| OWENS EMPLOYEE BENEFITS OF FLORIDA3 | 13650 FIDDLESTICKS BLVD FORT MYERS, FL 33912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | $54 | $106 | 0.03% |
| SUSAN ADELIA DAVIS3 | 5473 SCHLACK DRIVE GAP, PA 17527 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $95 | — | $95 | 0.03% |
| ASSURANCE AGENCY LTD3 Filed as: EMPLOYER ASSURANCE SOLUTIONS, LLC | 4281 BUCKSKIN WOOD DR. ELLICOTT CITY, MD 21042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $40 | $91 | 0.02% |
| MY CORE BENEFIT SOLUTIONS LLC3 Filed as: MY CORE BENEFIT SOLUTIONS, LLC | 2003 PHILLIPS TERRACE ANNAPOLIS, MD 21401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $47 | $81 | 0.02% |
| KIMBERLY FERGUSON3 | 168 RIDGEWOOD DRIVE OAKLAND, MD 21550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $13 | $47 | 0.01% |
| ROBIN L HARRIS3 | 108 LAKE HILTON DRIVE CHAPIN, SC 29036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 0.01% |
| ROMEO TYRONE GAINEY3 | 1343 PARLIAMENT LAKE DRIVE COLUMBIA, SC 29223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $7 | $22 | 0.01% |
| JENNIFER ANN BARRETT3 | 10301 BREAKWATER COURT OCEAN CITY, MD 21842 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $12 | $18 | 0.00% |
| CAROLYN GROVER3 | 206 FOX CHAPEL DRIVE IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.00% |
| EDWIN DURANT SPRADLEY3 | 1450 OLD SWAMP ROAD SWANSEA, SC 29160 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.00% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GEORGE TERRANCE BARRETT | 10301 BREAKWATER COURT OCEAN CITY, MD 21842 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $3 | $7 | 0.00% |
| CATHERINE AMELIA CURRAN3 | 29249 NAYLOR MILL ROAD SALISBURY, MD 21801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| TIMOTHY J REED3 | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF SOUTH CAROL | 1170 WILSON HALL ROAD PIEDMONT, SC 29673 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $34K | $2K | $36K | 14.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 6.95% |
| CHRISTOPHER MICHAEL SHEALY3 | 215 HOGAN WAY LEXINGTON, SC 29072 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 2.32% |
| GRAEM M CLARK3 | 113 PALM COURT LEXINGTON, SC 29072 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 2.32% |
| STANLEY DOUGLAS GILLESPIE3 Filed as: STANLEY PAUL | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $773 | $773 | 0.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF SC EIN 57-0287419 HEALTH/RX ADMIN | Contract Administrator; Claims processing Service code 12 | — | $1.1M |
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 | 3,580 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 303 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,887 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,040 | $247K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,040 | $247K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,580 | $933K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,580 | $933K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,580 | $933K |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,580 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,580 | — |
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."
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.