| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 235 MAGRATH DARBY BOULEVARD SUITE 325 MOUNT PLEASANT, SC 29464 | UNITEDHEALTHCARE INSURANCE COMPANY | $50K | $0 | $50K | 5.83% |
| USI INSURANCE SERVICES LLC3 | 75 JOHN ROBERTS ROAD, BUILDING C SOUTH PORTLAND, ME 04106 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 7.27% |
| AMANDA L HARVEY3 Filed as: AMANDA LOUISE HARVEY | 2518 PRIVATE LEFLER DRIVE JOHNS ISLAND, SC 29455 | CONTINENTAL AMERICAN INSURANCE COMPANY | $676 | $0 | $676 | 4.63% |
| ALH BENEFITS LLC3 Filed as: ALH BENEFITS, LLC | 2518 PRIVATE LEFIER DRIVE JOHNS ISLAND, SC 29455 | CONTINENTAL AMERICAN INSURANCE COMPANY | $598 | $0 | $598 | 4.10% |
| KRISTIN SWISHER-MCFADDEN3 Filed as: KRISTIN GENE SWISHER | 1820 WEST CANNING DRIVE MOUNT PLEASANT, SC 29466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $447 | $0 | $447 | 3.06% |
| ISOLDA ALICA BLACKWELL3 | 128 STAGECOACH LANE SUMMERVILLE, SC 29483 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39 | $0 | $39 | 0.27% |
| SEAN NASTASE3 | 108 RESIDENCES LANE, UNIT 103 CHARLESTON, SC 29414 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | $0 | $6 | 0.04% |
| MICHAEL WEAVER3 Filed as: MICHAEL WEAVER AND OTHER AGENTS | 228 LEGENDS VILLAGE LOOP MYRTLE BEACH, SC 29579 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$97 | $0 | -$97 | -0.66% |
| USI INSURANCE SERVICES LLC3 | 235 MAGRATH DARBY BOULEVARD SUITE 325 MOUNT PLEASANT, SC 29464 | MDVIRTUAL CARE | $210 | $0 | $210 | 33.87% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 168 | $850K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 168 | $850K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 168 | $850K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 168 | $850K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 168 | $850K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 168 | $850K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 168 | $850K |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 217 | $866K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.