| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT GUARANTY LLC3 | 606 COX STREET SIMPSONVILLE, SC 29681 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $93K | — | $93K | 20.97% |
| SOUTHEAST INSURANCE GROUP INC3 Filed as: SOUTHEAST INSURANCE GROUP | 2340 HARDSCRABBLE ROAD COLUMBIA, SC 29223 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $13K | — | $13K | 2.82% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 5.92% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 3.91% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVCIES NATIONAL INC | 9020 STONY POINT PARKWAY SUITE 100 RICHMOND, VA 23235 | DELTA DENTAL OF VIRGINIA | $4K | — | $4K | 3.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US, LLC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | DELTA DENTAL OF VIRGINIA | $4K | — | $4K | 2.99% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | VISION SERVICE PLAN | $267 | — | $267 | 0.84% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.62% |
| LOCKTON COMPANIES, LLC3 | 725 S FIGUEROA ST 35TH FL LOS ANGELES, CA 90017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.38% |
| LOCKTON COMPANIES, LLC0 Filed as: LOCKTON COMPANIES | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | FOUR EVER LIFE INSURANCE CO. | $191 | — | $191 | 14.99% |
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 | 883 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 929 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 407 | $446K |
| Dental(2 contracts, 2 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 407 | $578K |
| Vision(4 contracts, 3 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 407 | $543K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 414 | $753K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 414 | $308K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 414 | $308K |
| Prescription drug | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 407 | $444K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 604 | $339K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 414 | $328K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 604 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.