| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROKER NOT PROVIDED3 | — | BLUECHOICE HEALTHPLAN SOUTH CAROLINA | $25K | $0 | $25K | 0.60% |
| RSC INSURANCE BROKERAGE INC3 | 5575 VENTURE DR STE D CLEVELAND, OH 44130 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | $0 | $15K | 4.14% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC PA DE | 1787 SENTRY PARKWAY WEST VEVA 16 STE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $4K | $4K | 1.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | STANDARD INSURANCE COMPANY | $16K | $0 | $16K | 19.27% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | STANDARD INSURANCE COMPANY | $13K | $0 | $13K | 19.36% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | STANDARD INSURANCE COMPANY | $13K | $0 | $13K | 19.22% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | STANDARD INSURANCE COMPANY | $35K | $0 | $35K | 72.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 870 S PLEASANTBURG DR. GREENVILLE, SC 29607 | COMPANION LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.76% |
| BLUE CHOICE HEALTH PLAN3 | PO BOX 6170 COLUMBIA, SC 29260 | COMPANION LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.01% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC - UWE | PO BOX 818078 CLEVELAND, OH 44181 | COMPANION LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.25% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST FL 2 BOSTON, MA 02110 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 11.04% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W BLUE BELL, PA 19422 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.67% |
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 | 352 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECHOICE HEALTHPLAN SOUTH CAROLINA | 268 | $4.5M |
| Dental(3 contracts, 3 carriers) | BLUECHOICE HEALTHPLAN SOUTH CAROLINA | 288 | $4.3M |
| Vision(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 268 | $94K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 352 | $131K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 170 | $112K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 171 | $114K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 352 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 352 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.