| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT GUARANTY LLC3 | 606 COX STREET SIMPSONVILLE, SC 29681 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $89K | — | $89K | 22.83% |
| SOUTHEAST INSURANCE GROUP INC3 Filed as: SOUTHEAST INSURANCE GROUP | 2340 HARDSCRABBLE ROAD COLUMBIA, SC 29223 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $12K | — | $12K | 2.94% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $29K | — | $29K | 9.85% |
| 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 | $15K | — | $15K | 6.41% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | VISION SERVICE PLAN | $8K | — | $8K | 24.02% |
| BENEFIT GUARANTY LLC3 | 606 COX STREET SIMPSONVILLE, SC 29681 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $7K | — | $7K | 21.49% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 20.27% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | FOUR EVER LIFE INSURANCE CO. | $191 | — | $191 | 14.99% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 741909 ATLANTA, GA 303741909 | FOUR EVER LIFE INSURANCE CO. | $143 | — | $143 | 14.96% |
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 | 677 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 714 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 246 | $393K |
| Dental(2 contracts, 2 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 463 | $618K |
| Vision(3 contracts, 3 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 279 | $455K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 345 | $682K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 345 | $291K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 345 | $291K |
| Prescription drug | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 246 | $391K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 579 | $397K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 345 | $309K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 579 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.