| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 176 CROGHAN SPUR ROAD, SUITE 300 CHARLESTON, SC 29407 | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | $29K | $0 | $29K | 4.65% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $6K | $17K | 17.36% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 13.65% |
| QUINTON J MILES3 Filed as: QUINTON J. MILES | 130 NORTH SHELLMORE BOULEVARD MOUNT PLEASANT, SC 29464 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 6.03% |
| APRIL D. SINGLETON3 | 1381 POOSHEE DRIVE CHARLESTON, SC 29407 | CONTINENTAL AMERICAN INSURANCE COMPANY | $767 | $0 | $767 | 4.42% |
| KRISTIN SWISHER-MCFADDEN3 Filed as: KRISTIN GENE SWISHER | 1820 WEST CANNING DRIVE MOUNT PLEASANT, SC 29466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $528 | $0 | $528 | 3.05% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | $0 | $20 | 0.12% |
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 | 105 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 81 | $616K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $99K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $99K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $99K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $99K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $99K |
| Prescription drug | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 81 | $616K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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.