| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFC BENEFITS LLC3 Filed as: MFC BENEFITS | 2049 MAYFAIR DRIVE WHITE LAKE, MI 48383 | BLUE CROSS SHIELD OF SOUTH CAROLINA | $102K | — | $102K | 6.39% |
| MFC BENEFITS LLC3 | 2049 MAYFAIR DRIVE WHITE LAKE, MI 48383 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $12K | $16K | $28K | 18.59% |
| MFC BENEFITS LLC3 Filed as: MFC BENEFITS, LLC | 2049 MAYFAIR DRIVE WHITE LAKE, MI 48383 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $5K | 13.18% |
| MFC BENEFITS LLC3 Filed as: MFC BENEFITS, LLC | 2049 MAYFAIR DR WHITE LAKE, MI 48383 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $6K | 18.22% |
| MFC BENEFITS LLC3 Filed as: MFC BENEFITS, LLC | 2049 MAYFAIR DR WHITE LAKE, MI 48383 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $6K | 18.73% |
| MFC BENEFITS LLC3 Filed as: MFC BENEFITS, LLC | 2049 MAYFAIR DR WHITE LAKE, MI 48383 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $788 | $3K | 13.92% |
| MFC BENEFITS LLC3 Filed as: MFC BENEFITS, LLC | 2049 MAYFAIR DR WHITE LAKE, MI 48383 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | — | — | $0 | 0.00% |
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 | 328 | 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) | 328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS SHIELD OF SOUTH CAROLINA | 191 | $1.6M |
| Dental | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 197 | $152K |
| Vision | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 191 | $14K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 236 | $50K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 236 | $55K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 236 | $31K |
| Prescription drug | BLUE CROSS SHIELD OF SOUTH CAROLINA | 191 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.