| 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 | $79K | $0 | $79K | 9.92% |
| UNITED PRODUCERS GROUP LLC3 | 1439 STUART ENGALS BOULEVARD UNIT 300 MOUNT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $40K | $40K | 5.00% |
| CORY L SMITH3 Filed as: CORY L. SMITH | PO BOX 948 BLUFFTON, SC 29910 | TRANSAMERICA LIFE INSURANCE COMPANY | $47K | $0 | $47K | 19.89% |
| VOLUNTARY BENEFITS AT WORK3 | 1090 HERSHEY DRIVE SE MARIETTA, GA 30062 | TRANSAMERICA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 4.03% |
| UNITED PRODUCERS GROUP LLC3 | 1439 STUART ENGALS BOULEVARD UNIT 300 MOUNT PLEASANT, SC 29464 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 3.08% |
| C & K BENEFITS LLC3 | 106 RENAISSANCE CIRCLE MAULDIN, SC 29662 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 1.87% |
| SHANNON L TROWBRIDGE3 Filed as: SHANNON L. TROWBRIDGE | 202 SPRINGRISE LANE SUMMERVILLE, SC 29486 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 1.70% |
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 | 857 | $797K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 857 | $797K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 857 | $1.0M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 857 | $797K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 857 | $797K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 857 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 857 | — |
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.