| 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 | $15K | — | $15K | 2.49% |
| LOCKTON COMPANIES, LLC3 | LOCKBOX 741738 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | — | $19K | 4.43% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 2.32% |
| LOCKTON COMPANIES, LLC3 | LOCKBOX 741738 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 2.67% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 2.33% |
| LOCKTON COMPANIES, LLC3 | LOCKBOX 741738 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 7.54% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 7.46% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 5.11% |
| LOCKTON COMPANIES, LLC3 | LOCKBOX 741738 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 4.89% |
| LOCKTON COMPANIES, LLC3 | LOCKBOX 741738 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $902 | — | $902 | 2.65% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $800 | — | $800 | 2.35% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD SOUTH CAROLINA EIN 57-0287419 MEDICAL/DENTAL/HRA ADMIN | Claims processing; Contract Administrator Service code 12 | — | $344K |
| LOCKTON COMPANIES, LLC BCBSSC ADMINISTRATION | Contract Administrator; Claims processing Service code 12 | 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | $92K |
| LIFE INSURANCE COMPANY OF NA EIN 23-1503749 STD ASO FEES | Contract Administrator; Claims processing Service code 12 | — | $25K |
| COMMUNITY EYE CARE EIN 56-2109225 VISION ADMIN | Claims processing; Contract Administrator Service code 12 | — | $9K |
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 | 809 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 813 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 105 | $618K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 805 | $433K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 195 | $140K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 809 | $387K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 805 | $523K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 809 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.