| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENDEAVOR INSURANCE SERVICES, INC.3 | 218 TRADE ST., STE. G GREER, SC 29651 | BLUECHOICE HEALTHPLAN SOUTH CAROLINA | $25K | — | $25K | 3.80% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 999 3RD AVE., STE. 4100 SEATTLE, WA 98104 | BLUECHOICE HEALTHPLAN SOUTH CAROLINA | $8K | — | $8K | 1.27% |
| ENDEAVOR INSURANCE SERVICES, INC.3 Filed as: ENDEAVOR INSURANCE SERVICES INC. | 218 TRADE ST., STE. G GREER, SC 29651 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 6.78% |
| USI INSURANCE SERVICES LLC3 Filed as: WELLS FARGO DBA USI INSURANCE SVS. | 999 3RD AVE., STE. 4100 SEATTLE, WA 98104 | METROPOLITAN LIFE INSURANCE COMPANY | $962 | $57 | $1K | 2.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS. SERVICES USA INC. | 1018 W. 9TH AVE. KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | — | $192 | $192 | 0.46% |
| ENDEAVOR INSURANCE SERVICES, INC.3 Filed as: ENDEAVOR INS. SVCS. INC. | P.O. BOX 198 GREER, SC 29652 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 8.38% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS. SVCS. NATIONAL INC. | P.O. BOX 203501 DALLAS, TX 75320 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $582 | — | $582 | 4.03% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SC LLC | P.O. BOX 198 GREER, SC 29652 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $375 | — | $375 | 2.60% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS. SVCS. NATIONAL INC. | 301 EAST PINE ST., STE. 240 ORLANDO, FL 32801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $195 | $195 | 1.35% |
| ENDEAVOR INSURANCE SERVICES, INC.3 Filed as: ENDEAVOR INS. SVCS. INC. | P.O. BOX 198 GREER, SC 29652 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 7.95% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS. SVCS. NATIONAL INC. | P.O. BOX 203501 DALLAS, TX 75320 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $534 | — | $534 | 3.92% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SC LLC | P.O. BOX 198 GREER, SC 29652 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $427 | — | $427 | 3.14% |
| CREATIVE WORKSITE SOLUTIONS LLC3 Filed as: CREATIVE WORKSITE SOLUTIONS | 3404 SALTERBECK ST., STE. 207 MT. PLEASANT, SC 29466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $178 | $178 | 1.31% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS. SVCS. NATIONAL INC. | 301 EAST PINE ST., STE. 240 ORLANDO, FL 32801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $145 | $145 | 1.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 172 CROGHAN SPUR ROAD CHARLESTON, SC 29407 | EYEMED VISION CARE | $816 | — | $816 | 7.20% |
| ENDEAVOR INSURANCE SERVICES, INC.3 | 218 TRADE ST., STE. G GREER, SC 29651 | EYEMED VISION CARE | $778 | — | $778 | 6.87% |
| ENDEAVOR INSURANCE SERVICES, INC.3 Filed as: ENDEAVOR INSURANCE SERVICES INC. | P.O. BOX 198 GREER, SC 29652 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $439 | — | $439 | 5.12% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SC LLC | P.O. BOX 198 GREER, SC 29652 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $227 | — | $227 | 2.65% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS. SVCS. NATIONAL INC. | P.O. BOX 203501 DALLAS, TX 75320 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $191 | — | $191 | 2.23% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS. SVCS. NATIONAL INC. | 301 EAST PINE ST., STE. 240 ORLANDO, FL 32801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $90 | $90 | 1.05% |
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 | 155 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECHOICE HEALTHPLAN SOUTH CAROLINA | 240 | $657K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 191 | $42K |
| Vision | EYEMED VISION CARE | 156 | $11K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 155 | $9K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 37 | $14K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 38 | $14K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 155 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.