| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 7391 HODGSON MEMORIAL DRIVE SUITE 100 SAVANNAH, GA 31406 | GUARDIAN | $15K | $4K | $20K | 18.36% |
| THE BENEFIT COMPANY INC3 | 3800 FERNANDINA ROAD SUITE 200 COLUMBIA, SC 29221 | GUARDIAN | $3K | — | $3K | 3.00% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 8.76% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SVCS INC | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.94% |
| GLOWACKI MICHELLE3 | 525 MISTY BANKS DR CHAPIN, SC 29036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 0.04% |
| STEPHEN RICE3 | AGENCY INC 5119 CALHOUN MEMORIAL HWY EASLEY, SC 29640 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| STREAMLINE ENTERPRISES LLC3 | DBA CANOPY NATION 3725 CHAMPION HILLS DRIVE SUITE3300 MEMPHIS, TN 38125 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| IMAGINE3603 Filed as: IMAGINE360 ADMINSTRATORS LLC | PO BOX 749075 DALLAS, TX 753749075 | TOKIO MARINE HCC | — | $878 | $878 | 4.00% |
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 | 134 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | GUARDIAN | 142 | $109K |
| Long-term disability | GUARDIAN | 142 | $109K |
| Other(3 contracts, 3 carriers) | GUARDIAN | 142 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.