| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFC BENEFITS LLC3 | 1919 GRACE LN MILFORD, MI 48380 | BLUE CROSS SHIELD OF SOUTH CAROLINA | $63K | — | $63K | 3.72% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 300 EXECUTIVE CENTER DRIVE SUITE 103 GREENVILLE, SC 29615 | BLUE CROSS SHIELD OF SOUTH CAROLINA | $14K | — | $14K | 0.82% |
| MFC BENEFITS LLC3 Filed as: MFC BENEFITS, LLC | 1919 GRACE LANE MILFORD, MI 48380 | BLUE CROSS SHIELD OF SOUTH CAROLINA | $11K | — | $11K | 6.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 300 EXECUTIVE CENTER DRIVE SUITE 103 GREENVILLE, SC 29615 | BLUE CROSS SHIELD OF SOUTH CAROLINA | $2K | — | $2K | 1.32% |
| MFC BENEFITS LLC3 | 1919 GRACE LANE MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 3.53% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD SUITE 315 CHARLOTTE, NC 28211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 1.87% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC. | 1901 ROXBOROUGH RD SUITE 315 CHARLOTTE, NC 28211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 6.11% |
| MFC BENEFITS LLC3 Filed as: MFC BENEFITS, LLC | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.87% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC. | 1901 ROXBOROUGH RD SUITE 315 CHARLOTTE, NC 28211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.44% |
| MFC BENEFITS LLC3 Filed as: MFC BENEFITS, LLC | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.91% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC. | 1901 ROXBOROUGH RD SUITE 315 CHARLOTTE, NC 28211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 9.11% |
| MFC BENEFITS LLC3 Filed as: MFC BENEFITS, LLC | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.89% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC. | 1901 ROXBOROUGH RD SUITE 315 CHARLOTTE, NC 28211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $568 | — | $568 | 7.29% |
| MFC BENEFITS LLC3 Filed as: MFC BENEFITS, LLC | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $211 | — | $211 | 2.71% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC. | 1901 ROXBOROUGH RD SUITE 315 CHARLOTTE, NC 28211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $317 | — | $317 | 5.80% |
| MFC BENEFITS LLC3 Filed as: MFC BENEFITS, LLC | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $229 | — | $229 | 4.19% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC. | 1901 ROXBOROUGH RD SUITE 315 CHARLOTTE, NC 28211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $729 | — | $729 | 13.44% |
| MFC BENEFITS LLC3 Filed as: MFC BENEFITS, LLC | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $356 | — | $356 | 6.56% |
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 | 248 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 17 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS SHIELD OF SOUTH CAROLINA | 188 | $1.7M |
| Dental | BLUE CROSS SHIELD OF SOUTH CAROLINA | 217 | $181K |
| Vision | BLUE CROSS SHIELD OF SOUTH CAROLINA | 188 | $11K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 416 | $35K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 416 | $95K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 416 | $49K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 107 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 416 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.