| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORY L SMITH3 | 67 REGENT AVE BLUFFTON, SC 29910 | GUARDIAN LIFE INSURANCE COMPANY | $19K | — | $19K | 9.80% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP, LLC | 1031 CHUCK DAWLEY BLVD MOUNT PLEASANT, SC 29464 | GUARDIAN LIFE INSURANCE COMPANY | $10K | — | $10K | 5.00% |
| UNITED PRODUCERS GROUP LLC3 | — | ONEAMERICA | $12K | $9K | $20K | 13.83% |
| CORY L SMITH3 | PO BOX 948 BLUFFTON, SC 29910 | TRANSAMERICA LIFE INSURANCE COMPANY | $36K | — | $36K | 26.55% |
| VOLUNTARY BENEFITS AT WORK3 Filed as: VOLUNTARY BENEFITSAT WORK | 1820 THE EXCHANGE SUITE 750 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $10K | — | $10K | 7.46% |
| C & K BENEFITS LLC3 | 106 RENAISSANCE CIRCLE MAULDIN, SC 29662 | TRANSAMERICA LIFE INSURANCE COMPANY | $9K | — | $9K | 6.62% |
| UNITED PRODUCERS GROUP LLC3 | SUITE 300 1439 STUART ENGALS BOULEVARD MOUNT PLEASANT, SC 29464 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | — | $6K | 4.47% |
| SHANNON L TROWBRIDGE3 | 126 CYPRESS VIEW ROAD GOOSE CREEK, SC 29445 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | — | $6K | 4.14% |
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 | 757 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 761 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 451 | $199K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 451 | $199K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 451 | $347K |
| Short-term disability | ONEAMERICA | 420 | $148K |
| Long-term disability | ONEAMERICA | 420 | $148K |
| Other(3 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 451 | $480K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 451 | — |
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.
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.