| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BREMER GROUP LLC3 Filed as: BREMER GROUP, LLC | 8112 MARYLAND AVE STE 400 SAINT LOUIS, MO 63105 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | — | $14K | 2.23% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR. SUITE 200 HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | — | $20K | 5.00% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR. SUITE 200 HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | — | $18K | 5.00% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR. SUITE 200 HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | — | $25K | 15.00% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR. SUITE 200 HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 10.00% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR. SUITE 200 HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD SOUTH CAROLINA EIN 57-0287419 MEDICAL/DENTAL/HRA ADMIN | Claims processing; Contract Administrator Service code 12 | — | $330K |
| AP BENEFIT ADVISORS, LLC BCBSSC ADMINISTRATION | Claims processing; Contract Administrator Service code 12 | 10 NORTH PARK DR SUITE 200 HUNT VALLEY, MD 21030 | $167K |
| LOCKTON COMPANIES, LLC BCBSSC ADMINISTRATION | Claims processing; Contract Administrator Service code 12 | 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | $1K |
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 | 771 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 776 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 40 | $618K |
| Vision | COMMUNITY EYE CARE, LLC | 1,202 | $76K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 771 | $391K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 776 | $190K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 776 | $352K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 771 | $492K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,202 | — |
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.