| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORY L SMITH3 Filed as: CORY L. SMITH | PO BOX 948 BLUFFTON, SC 29910 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $102K | $33K | $135K | 13.77% |
| UNITED PRODUCERS GROUP LLC3 | 1439 STUART ENGALS BOULEVARD UNIT 300 MOUNT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $49K | $49K | 5.00% |
| CORY L SMITH3 Filed as: CORY L. SMITH | PO BOX 948 BLUFFTON, SC 29910 | TRANSAMERICA LIFE INSURANCE COMPANY | $34K | $0 | $34K | 27.69% |
| VOLUNTARY BENEFITS AT WORK3 | 1090 HERSHEY DRIVE SE MARIETTA, GA 30062 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 4.15% |
| UNITED PRODUCERS GROUP LLC3 | 1439 STUART ENGALS BOULEVARD UNIT 300 MOUNT PLEASANT, SC 29464 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 3.98% |
| C & K BENEFITS LLC3 | 106 RENAISSANCE CIRCLE MAULDIN, SC 29662 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.13% |
| SHANNON L TROWBRIDGE3 Filed as: SHANNON L. TROWBRIDGE | 202 SPRINGRISE LANE SUMMERVILLE, SC 29486 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.02% |
| BRYAN A. ABERCROMBIE3 | 5608 HAWKINS ROAD GILLSVILLE, GA 30543 | TRANSAMERICA LIFE INSURANCE COMPANY | $211 | $0 | $211 | 0.17% |
| TAYLOR V COSCINO3 Filed as: TAYLOR V. COSCINO | 5197 PARKWOOD DRIVE FLOWERY BRANCH, GA 30542 | TRANSAMERICA LIFE INSURANCE COMPANY | $140 | $0 | $140 | 0.11% |
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 | 958 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 958 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 958 | $980K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 958 | $980K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 958 | $1.1M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 958 | $980K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 958 | $980K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 958 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 958 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.