| 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 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $40K | $0 | $40K | 4.14% |
| FORUM BENEFITS INC3 Filed as: FORUM BENEFITS LLC | 1122 S MAIN ST STE B GREENVILLE, SC 29601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 13.55% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $303 | $303 | 0.51% |
| FORUM BENEFITS INC3 Filed as: FORUM BENEFITS LLC | 1122 S MAIN ST STE B GREENVILLE, SC 29601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 22.25% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $229 | $229 | 1.03% |
| FORUM BENEFITS INC3 Filed as: FORUM BENEFITS LLC | 1122 S MAIN ST STE B GREENVILLE, SC 29601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $5K | 21.76% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $212 | $212 | 0.96% |
| FORUM BENEFITS INC3 Filed as: FORUM BENEFITS LLC | 1122 S MAIN ST STE B GREENVILLE, SC 29601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $845 | $2K | 17.15% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $121 | $121 | 1.02% |
| FORUM BENEFITS INC3 Filed as: FORUM BENEFITS LLC | 1122 S MAIN ST STE B GREENVILLE, SC 29601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $531 | $2K | 21.96% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $76 | $76 | 1.00% |
| FORUM BENEFITS INC3 Filed as: FORUM BENEFITS LLC | 1122 S MAIN ST STE B GREENVILLE, SC 29601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $589 | $272 | $861 | 21.94% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $39 | $39 | 0.99% |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 75 | $970K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 75 | $60K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 74 | $12K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $26K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $22K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 38 | $8K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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.
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.