| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 8049 CORPORATE CENTER DRIVE CHARLOTTE, NC 28226 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $61K | — | $61K | 2.28% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62689 VIRGINIA BEACH, VA 23466 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $23K | — | $23K | 14.95% |
| BENEFIT CONTROLS OF THE CAROLINAS3 | 8049 CORPORATE CENTER DRIVE CHARLOTTE, NC 28266 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $326 | $4K | 7.23% |
| HELGE OEREN3 | 10100 SHOOTING STAR CT NEW PORT RICHEY, FL 34655 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 6.87% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62689 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | — | $24 | $24 | 0.04% |
| BENEFIT CONTROLS OF THE CAROLINAS3 Filed as: BENEFIT CONTROLS OF THE CAROLINAS I | 8049 CORPORATE CENTER DRIVE CHARLOTTE, NC 28226 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 6.44% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 8049 CORPORATE CENTER DRIVE CHARLOTTE, NC 28266 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 3.56% |
| BENEFIT CONTROLS OF THE CAROLINAS3 | 8049 CORPORATE CENTER DRIVE CHARLOTTE, NC 28266 | COMPANION LIFE INSURANCE COMPANY | $1K | — | $1K | 10.91% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF SOUTH CAROLINA | I-20 AT ALPINE ROAD COLUMBIA, SC 29619 | COMPANION LIFE INSURANCE COMPANY | $781 | $16 | $797 | 7.65% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 8049 CORPORATE CENTER DRIVE CHARLOTTE, NC 28226 | COMPANION LIFE INSURANCE COMPANY | $426 | — | $426 | 4.09% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62689 VIRGINIA BEACH, VA 23466 | COMPANION LIFE INSURANCE COMPANY | $304 | $7 | $311 | 15.36% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD OF SC | I-20 AT ALPINE ROAD COLUMBIA, SC 29219 | COMPANION LIFE INSURANCE COMPANY | $152 | $3 | $155 | 7.65% |
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 | 406 | 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) | 406 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 395 | $2.7M |
| Dental | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 395 | $2.7M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 177 | $43K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 516 | $66K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 342 | $156K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 395 | $2.7M |
| Other(2 contracts) | COMPANION LIFE INSURANCE COMPANY | 417 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 516 | — |
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."
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.