| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP, LLC | 1439 STUART ENGALS BOULEVARD SUITE 300 MOUNT PLEASANT, SC 29464 | BLUECROSS BLUESHIELD SOUTH CAROLINA | $83K | $0 | $83K | 2.05% |
| USI INSURANCE SERVICES LLC3 | 176 CROGHAN SPUR ROAD, SUITE 300 CHARLESTON, SC 29407 | BLUECROSS BLUESHIELD SOUTH CAROLINA | $47K | $0 | $47K | 1.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF SC, INC. | 10 FALCON CREST DRIVE, SUITE 100 GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $48K | $0 | $48K | 7.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS. AGCY OF VA, INC. | 11220 ASSETT LOOP, SUITE 304 MANASSAS, VA 20109 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $43K | $43K | 7.18% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $32K | $0 | $32K | 5.34% |
| USI INSURANCE SERVICES LLC3 | 235 MAGRATH DARBY BOULEVARD SUITE 325 MOUNT PLEASANT, SC 29464 | EDOCHOME | $5K | $0 | $5K | — |
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 | 1,073 | 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) | 1,073 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD SOUTH CAROLINA | 568 | $4.0M |
| Dental | BLUECROSS BLUESHIELD SOUTH CAROLINA | 568 | $4.0M |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,073 | $605K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,073 | $605K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,073 | $605K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,073 | $605K |
| Prescription drug | BLUECROSS BLUESHIELD SOUTH CAROLINA | 568 | $4.0M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,073 | $605K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,073 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.