| 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 | $48K | $0 | $48K | 4.35% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 1.76% |
| CAROL A MURRAY3 | 129 MCKELVEY PLACE GOOSE CREEK, SC 29445 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 1.16% |
| AIH BENEFITS, LLC3 | 2518 PRIVATE LEFIER DRIVE JOHNS ISLAND, SC 29455 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 0.94% |
| KRISTIN SWISHER-MCFADDEN3 Filed as: KRISTIN GENE SWISHER | 1820 WEST CANNING DRIVE MOUNT PLEASANT, SC 29466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $782 | $0 | $782 | 0.25% |
| MICHAEL WEAVER3 | 144 PALMETTO HARBOUR DRIVE NORTH MYRTLE BEACH, SC 29582 | CONTINENTAL AMERICAN INSURANCE COMPANY | $514 | $0 | $514 | 0.16% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $7K | $17K | 16.46% |
| UNKNOWN3 | UNKNOWN NORTH CHARLESTON, NC 29406 | PHYSICIANS EYECARE PLAN | $1K | $0 | $1K | 10.00% |
| USI INSURANCE SERVICES LLC3 | 235 MAGRATH DARBY BOULEVARD SUITE 325 MOUNT PLEASANT, SC 29464 | EDOC HOME | $743 | $0 | $743 | 16.95% |
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 | 193 | 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) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 120 | $1.1M |
| Dental | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 120 | $1.1M |
| Vision | PHYSICIANS EYECARE PLAN | 169 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 193 | $103K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 193 | $103K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 193 | $103K |
| Prescription drug | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 120 | $1.1M |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 193 | $426K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.