| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLARK & CO BENEFITS LLC3 Filed as: CLARK & CO BENEFITS, LLC | 2422 DEVINE STREET SUITE B COLUMBIA, SC 29205 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $113K | — | $113K | 9.73% |
| CLARK & CO BENEFITS LLC3 Filed as: CLARK & CO BENEFITS, LLC | PO BOX 5672 COLUMBIA, SC 29250 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | — | $15K | 9.83% |
| CLARK & CO BENEFITS LLC3 Filed as: CLARK & CO BENEFITS, LLC | 2422 DEVINE STREET SUITE B COLUMBIA, SC 29250 | COMPANION LIFE | $12K | — | $12K | 12.13% |
| CLARK & CO BENEFITS LLC3 Filed as: CLARK & CO BENEFITS, LLC | 2422 DEVINE STREET SUITE B COLUMBIA, SC 29250 | COMPANION LIFE | $3K | — | $3K | 9.97% |
| PAULA J FAMBROUGH3 | 8205 DUNMORE DRIVE APT C HUNTERSVILLE, NC 28078 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 12.56% |
| C & K BENEFITS LLC3 | 106 RENAISSANCE CIRCLE MAULDIN, SC 29662 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 5.03% |
| VOLUNTARY BENEFITS AT WORK3 | 1090 HERSHEY DRIVE MARIETTA, GA 30062 | TRANSAMERICA LIFE INSURANCE COMPANY | $716 | — | $716 | 2.91% |
| BISHOP INSURANCE, LLC3 Filed as: BISHOP INSURANCE LLC | 113 HOMESTEAD DRIVE BOILING SPRINGS, SC 29316 | TRANSAMERICA LIFE INSURANCE COMPANY | $662 | — | $662 | 2.69% |
| SHARON D ROBERTS3 | PO BOX 1129 YOUNG HARRIS, GA 30582 | TRANSAMERICA LIFE INSURANCE COMPANY | $288 | — | $288 | 1.17% |
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 | 632 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 632 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 289 | $1.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 305 | $155K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 298 | $1.2M |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE | 632 | $127K |
| Other | COMPANION LIFE | 632 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 632 | — |
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."
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.