| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES WARD | 4500 FORT JACKSON BLVD COLUMBIA, SC 29209 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $180K | — | $180K | 16.47% |
| TORRENCE JOSHUA3 | 322 HWY 80 E STE CLINTON, MS 39056 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| HILLMEN MICHAEL3 | PO BOX 1312 GAUTIER, MS 39553 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| WARD FINANCIAL SERVICES INC3 Filed as: WARD JAMES | 4500 FORT JACKSON BLVD COLUMBIA, SC 29209 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $97K | — | $97K | 17.01% |
| JAMES W WARD3 | 4500 FORT JACKSON BLVD COLUMBIA, SC 29209 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 11.42% |
| WARD FINANCIAL SERVICES INC3 Filed as: WARD JAMES | 4500 FORT JACKSON BLVD COLUMBIA, SC 29209 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 10.48% |
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 | 3,903 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,903 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | UNITED CONCORDIA INSURANCE COMPANY | 5,306 | $2.1M |
| Other(6 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 3,893 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,306 | — |
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.