| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARGUS BENEFITS3 Filed as: ARGUS HOLDINGS INCORPORATED | 887 WEST MARIETTA STREET STUDIO N-108 ATLANTA, GA 30318 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $160K | — | $160K | 3.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $44K | $4K | $48K | 16.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $41 | $11K | 4.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 1.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 887 WEST MARIETTA STREET STUDIO N-108 ATLANTA, GA 30318 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $6K | $23K | 11.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | TRANSAMERICA LIFE INSURANCE COMPANY | $13K | — | $13K | 24.38% |
| C & K BENEFITS LLC3 Filed as: C AND K BENEFITS, LLC | 1112 RIVERWALK DRIVE SIMPSONVILLE, SC 29681 | TRANSAMERICA LIFE INSURANCE COMPANY | $10K | — | $10K | 18.69% |
| JESSICA W MCKENZIE3 Filed as: JESSICA W. MCKENZIE | 2922 PELZER HIGHWAY EASLEY, SC 29642 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | — | $6K | 12.31% |
| VOLUNTARY BENEFITS AT WORK3 | 1820 THE EXCHANGE, SUITE 750 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.15% |
| BROOKS AND ASSOCIATES LLC4 Filed as: BROOKS AND ASSOCIATES, LLC | 1332 HAHN COURT FORT MILL, SC 29715 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $5K | — | $5K | 33.55% |
| BLAKE T. BROOKS4 | 112 CAPE CIRCLE PANAMA CITY BEACH, FL 32413 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | — | $2K | 12.72% |
| EVAN S BROOKS4 Filed as: EVAN S. BROOKS | 1332 HAHN COURT FORT MILL, SC 29715 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | — | $1K | 6.88% |
| BRIELLE N. HOFFMAN CROUSE4 | 818A DELMAS AVENUE NASHVILLE, TN 37216 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $445 | — | $445 | 3.02% |
| CAROLINE G. SINGLETON4 | 703 COLLEGE AVENUE ANDERSON, SC 29621 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $38 | — | $38 | 0.26% |
| GERALD R. INGRAM4 | 27598 CYPRESS STREET TAFT, CA 93268 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $24 | — | $24 | 0.16% |
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 | 524 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 527 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 384 | $4.0M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,411 | $469K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 524 | $196K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 524 | $196K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 524 | $294K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 524 | $294K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 384 | $4.0M |
| Other(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 524 | $556K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,411 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.