| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731296 | SECURIAN LIFE INSURANCE COMPANY | — | $76K | $76K | 2.28% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731296 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $16K | $16K | 0.88% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 294928378 | CONTINENTAL AMERICAN INSURANCE COMPANY | $144K | — | $144K | 11.83% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | CONTINENTAL AMERICAN INSURANCE COMPANY | $69K | — | $69K | 5.70% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET HAMMONTON, NJ 080371363 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 0.93% |
| ELIZABETH CUSHING3 | 74 TRESTLE LEAF PITTSBORO, NC 27312 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 294928378 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $165K | — | $165K | 15.69% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $110K | $9K | $119K | 11.35% |
| BENEFITSTORE INC3 | DALLAS REG'L LOCKBOX BENEFITSTORE LOCKBOX NUMBER 893383 RICHARDSON, TX 75081 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $174K | $13K | $187K | 19.80% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $116K | $10K | $126K | 13.29% |
| BENEFITSTORE INC3 | DALLAS REGIONAL LOCKBOX LOCKBOX NUMBER 893383 RICHARDSON, TX 75081 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $38K | $2K | $40K | 8.26% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $31K | $2K | $33K | 6.84% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $3K | $11K | 2.33% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - WINSTON-SALEM | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 1.11% |
| CHARLOTTE OFFICE, DIRECT BUSINESS3 | 6100 FAIRVIEW RD. STE. 750 CHARLOTTE, NC 28210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $137 | — | $137 | 0.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF SC EIN 57-0287419 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $4.2M |
| DELTA DENTAL NONE | Direct payment from the plan; Contract Administrator Service code 13 | PO BOX 8690 ST LOUIS, MO 631260690 | $204K |
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 | 7,690 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 38 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,728 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA | 17,638 | $779K |
| Life insurance(2 contracts, 2 carriers) | SECURIAN LIFE INSURANCE COMPANY | 13,052 | $3.8M |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 3,720 | $2.0M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 7,750 | $1.8M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 6,608 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,638 | — |
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.