| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE, INC. | — | BLUECHOICE HEALTHPLAN OF SOUTH CAROLINA | $46K | — | $46K | 13.28% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE, INC. | — | METLIFE | $23K | $6K | $30K | 14.59% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | — | METLIFE | $2K | — | $2K | 0.88% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE, INC. | — | UNITED OF OMAHA | $3K | $4K | $7K | 10.24% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $751 | $751 | 1.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE, INC. | — | UNITED OF OMAHA | $5K | $3K | $8K | 14.93% |
| NFP INSURANCE SERVICES INC5 Filed as: NFP CORPORATE SERVICES (SE) INC | — | UNITED OF OMAHA | — | $2K | $2K | 2.78% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | — | UNITED OF OMAHA | — | $650 | $650 | 1.18% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE, INC. | — | HEALTHIEST YOU | $4K | — | $4K | 10.00% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | — | CONTINENTAL AMERICAN INS CO | $7K | — | $7K | 23.44% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNITED OF OMAHA | $3K | $1K | $5K | 21.80% |
| NFP INSURANCE SERVICES INC5 Filed as: NFP CORPORATE SERVICES SE INC | — | UNITED OF OMAHA | — | $607 | $607 | 2.78% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | — | UNITED OF OMAHA | — | $274 | $274 | 1.26% |
| UNITED OF OMAHA LIFE INSURANCE CO5 | — | UNITED OF OMAHA | — | $13K | $13K | 93.13% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNITED OF OMAHA | — | $778 | $778 | 5.69% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | — | UNITED OF OMAHA | — | $162 | $162 | 1.18% |
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 | 504 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 505 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUECHOICE HEALTHPLAN OF SOUTH CAROLINA | 377 | $415K |
| Dental | METLIFE | 530 | $202K |
| Vision | METLIFE | 530 | $202K |
| Life insurance(2 contracts) | UNITED OF OMAHA | 505 | $86K |
| Short-term disability | UNITED OF OMAHA | 505 | $14K |
| Long-term disability | UNITED OF OMAHA | 505 | $55K |
| Prescription drug | BLUECHOICE HEALTHPLAN OF SOUTH CAROLINA | 377 | $344K |
| Other(2 contracts) | UNITED OF OMAHA | 505 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 530 | — |
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.