| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 1859 SUMMERVILLE AVENUE, SUITE 600 NORTH CHARLESTON, SC 29405 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $50K | $0 | $50K | 4.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF SC, INC. | 7515 NORTHSIDE DRIVE, SUITE 150 CHARLESTON, SC 29420 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $7K | $0 | $7K | 0.58% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE, INC. | 1901 ROXBOROUGH ROAD, SUITE 300 CHARLOTTE, NC 28211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $8K | $18K | 13.78% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF SC, INC. | 10 FALCON CREST DRIVE, SUITE 100 GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.53% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.30% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY WEST LAKE HILLS, SC 78746 | PHYSICIANS EYECARE PLAN | $0 | $1K | $1K | 8.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF SC, INC. | 10 FALCON CREST DRIVE, SUITE 100 GREENVILLE, SC 29607 | PHYSICIANS EYECARE PLAN | $0 | $411 | $411 | 2.31% |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 165 | $1.2M |
| Dental | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 165 | $1.2M |
| Vision | PHYSICIANS EYECARE PLAN | 205 | $18K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 291 | $128K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 291 | $128K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 291 | $128K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 165 | $1.2M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 291 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.