| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FORUM BENEFITS INC3 | 1122 S MAIN STREET STE B GREENVILLE, SC 29601 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $81K | — | $81K | 5.61% |
| STEWART PERRY3 | 4808 VILLAGE CREEK DRIVE DUNWOODY, GA 30338 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 5.02% |
| BRIAN STRITT3 | 1122 S MAIN STREET STE B GREENVILLE, SC 29601 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 4.25% |
| FORUM BENEFITS INC3 | 1122 S MAIN STREET STE B GREENVILLE, SC 29601 | METROPOLITAN LIFE INSURANCE COMPANY | $834 | $31 | $865 | 0.79% |
| FORUM BENEFITS INC3 | 1122 S MAIN STREET STE B GREENVILLE, SC 29601 | UNITED OF OMAHA INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| FORUM BENEFITS INC3 | 23 CLEVELAND STREET STE A GREENVILLE, SC 29601 | UNITED OF OMAHA INSURANCE COMPANY | — | $5K | $5K | 6.08% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | UNITED OF OMAHA INSURANCE COMPANY | — | $3K | $3K | 3.04% |
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 | 168 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 168 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 340 | $109K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 340 | $109K |
| Life insurance | UNITED OF OMAHA INSURANCE COMPANY | 69 | $83K |
| Short-term disability | UNITED OF OMAHA INSURANCE COMPANY | 69 | $83K |
| Long-term disability | UNITED OF OMAHA INSURANCE COMPANY | 69 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 340 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.