| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FORUM BENEFITS INC3 Filed as: FORUM BENEFITS, INC. | 1122 S MAIN ST STE B GREENVILLE, SC 29601 | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | $43K | — | $43K | 5.21% |
| FORUM BENEFITS INC3 | 1122 S MAIN ST STE B GREENVILLE, SC 29601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $676 | $6K | 11.32% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $386 | $386 | 0.75% |
| FORUM BENEFITS INC3 | 1122 S MAIN ST STE B GREENVILLE, SC 29601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $543 | $4K | 17.47% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $465 | $465 | 2.12% |
| FORUM BENEFITS INC3 | 1122 S MAIN ST STE B GREENVILLE, SC 29601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $480 | $3K | 17.56% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $411 | $411 | 2.19% |
| FORUM BENEFITS INC3 | 1122 S MAIN ST STE B GREENVILLE, SC 29601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $292 | $1K | 12.64% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $250 | $250 | 2.26% |
| FORUM BENEFITS INC3 | 1122 S MAIN ST STE B GREENVILLE, SC 29601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $219 | $1K | 18.24% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $188 | $188 | 2.77% |
| FORUM BENEFITS INC3 | 1122 S MAIN ST STE B GREENVILLE, SC 29601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $567 | $100 | $667 | 17.64% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $85 | $85 | 2.25% |
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 | 138 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 91 | $817K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 91 | $51K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 82 | $11K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $26K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $19K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 46 | $7K |
| Prescription drug | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 91 | $817K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.