| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | — | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $12K | — | $12K | 0.39% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | — | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $1K | — | $1K | 0.04% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | — | COLONIAL LIFE | $63K | $7K | $69K | 26.18% |
| LOCKTON COMPANIES, LLC3 | — | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $12K | — | $12K | 8.57% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | — | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $1K | — | $1K | 0.87% |
| LOCKTON COMPANIES, LLC3 | — | UNITED OF OMAHA | $5K | $3K | $9K | 7.61% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | — | UNITED OF OMAHA | $93 | — | $93 | 0.08% |
| LOCKTON COMPANIES, LLC3 | — | UNITED OF OMAHA | $5K | $3K | $7K | 8.44% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | — | UNITED OF OMAHA | $82 | — | $82 | 0.09% |
| LOCKTON COMPANIES, LLC3 | — | UNITED OF OMAHA | $7K | $2K | $9K | 13.89% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | — | UNITED OF OMAHA | $295 | — | $295 | 0.47% |
| LOCKTON COMPANIES, LLC3 | — | UNITED OF OMAHA | $4K | $1K | $5K | 10.42% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | — | UNITED OF OMAHA | $207 | — | $207 | 0.45% |
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 | 188 | 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) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 295 | $3.2M |
| Dental | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 298 | $134K |
| Vision | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 295 | $30K |
| Life insurance(2 contracts) | UNITED OF OMAHA | 443 | $108K |
| Short-term disability | UNITED OF OMAHA | 222 | $115K |
| Long-term disability | UNITED OF OMAHA | 443 | $88K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 295 | $2.9M |
| Other | UNITED OF OMAHA | 443 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 443 | — |
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.