| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | BLUE CROSS BLUE SHIELD OF SC | — | $48K | $48K | 0.43% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | PO BOX 27149 COLUMBIA, SC 29616 | BLUE CROSS BLUE SHIELD OF SC | — | — | $0 | 0.00% |
| BB&T - BOYLE VAUGHAN3 | 2000 CENTER POINT RD, STE 2400 COLUMBIA, SC 29210 | UNION SECURITY INSURANCE COMPANY | $25K | — | $25K | 8.69% |
| BB&T - BOYLE VAUGHAN3 | 2000 CENTER POINT RD, STE 2400 COLUMBIA, SC 29210 | UNION SECURITY INSURANCE COMPANY | $22K | — | $22K | 8.69% |
| BB&T - BOYLE VAUGHAN3 | 200 CENTER POINT RD, STE 2400 COLUMBIA, SC 29210 | UNION SECURITY INSURANCE COMPANY | $20K | — | $20K | 8.70% |
| BB&T - BOYLE VAUGHAN3 | 2000 CENTER POINT RD, STE 2400 COLUMBIA, SC 29210 | UNION SECURITY INSURANCE COMPANY | $14K | — | $14K | 8.70% |
| BB&T - BOYLE VAUGHAN3 | PO BOX 8628 COLUMBIA, SC 29202 | UNION SECURITY INSURANCE COMPANY | $10K | — | $10K | 9.97% |
| BB&T - BOYLE VAUGHAN3 | PO BOX 8628 COLUMBIA, SC 29202 | UNION SECURITY INSURANCE COMPANY | $9K | — | $9K | 10.02% |
| BB&T - BOYLE VAUGHAN3 | PO BOX 8628 COLUMBIA, SC 29202 | UNION SECURITY INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| BB&T - BOYLE VAUGHAN3 | 200 CENTER POINT RD, STE 2400 COLUMBIA, SC 29210 | UNION SECURITY INSURANCE COMPANY | $306 | — | $306 | 8.73% |
| DELTA INSURANCE AGENCY3 Filed as: DELTA DENTAL OF MISSOURI | 12399 GRAVOIS RD SAINT LOUIS, MO 63127 | DELTA DENTAL OF MISSOURI | $35K | — | $35K | — |
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 | 1,174 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 280 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,454 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SC | 1,071 | $11.3M |
| Dental | DELTA DENTAL OF MISSOURI | 0 | $0 |
| Vision | UNION SECURITY INSURANCE COMPANY | 564 | $94K |
| Life insurance(3 contracts) | UNION SECURITY INSURANCE COMPANY | 1,431 | $393K |
| Short-term disability(2 contracts) | UNION SECURITY INSURANCE COMPANY | 1,175 | $361K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 1,175 | $248K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SC | 1,071 | $11.3M |
| Other | UNION SECURITY INSURANCE COMPANY | 371 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,431 | — |
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.