| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFIT STRATEGIES LLC3 | 32 PARKWAY COMMONS WAY GREER, SC 296505213 | BLUECHOICE HEALTHPLAN OF SOUTH CAROLINA, INC. | $63K | — | $63K | 4.50% |
| GROUP BENEFITS STRATEGIES, LLC3 | 32 PARKWAY COMMONS WAY GREER, SC 29650 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $919 | $11K | 14.03% |
| GROUP BENEFIT STRATEGIES LLC3 Filed as: GROUP BENEFIT STRATEGIES | 32 PARKWAY COMMONS WAY GREER, SC 29650 | CIGNA GROUP INSURANCE | $5K | — | $5K | 10.00% |
| GROUP BENEFIT STRATEGIES LLC3 Filed as: GROUP BENEFIT STRATEGIES | 32 PARKWAY COMMONS WAY GREER, SC 29650 | CIGNA GROUP INSURANCE | $2K | — | $2K | 10.00% |
| GROUP BENEFIT STRATEGIES LLC3 Filed as: GROUP BENEFIT STRATEGIES | 32 PARKWAY COMMONS WAY GREER, SC 29650 | CIGNA GROUP INSURANCE | $2K | — | $2K | 10.00% |
| GROUP BENEFIT STRATEGIES LLC3 | 32 PARKWAY COMMONS WAY GREER, SC 29650 | VISION SERVICE PLAN | $2K | — | $2K | 10.00% |
| GROUP BENEFIT STRATEGIES LLC3 Filed as: GROUP BENEFIT STRATEGIES | 32 PARKWAY COMMONS WAY GREER, SC 29650 | CIGNA GROUP INSURANCE | $471 | — | $471 | 9.99% |
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 | 164 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECHOICE HEALTHPLAN OF SOUTH CAROLINA, INC. | 165 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 332 | $79K |
| Vision | VISION SERVICE PLAN | 123 | $16K |
| Life insurance | CIGNA GROUP INSURANCE | 189 | $45K |
| Short-term disability | CIGNA GROUP INSURANCE | 91 | $21K |
| Long-term disability | CIGNA GROUP INSURANCE | 180 | $17K |
| Other | CIGNA GROUP INSURANCE | 189 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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.