| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 200 INTERNATIONAL CIRCLE #4500 HUNT VALLEY, MD 21030 | BLUE CROSS BLUE SHIELD OF SC | $44K | — | $44K | 2.76% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP | 1439 STUART ENGLES BLVD MT PLEASANT, SC 29464 | BLUE CROSS BLUE SHIELD OF SC | $22K | — | $22K | 1.38% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 200 INTERNATIONAL CIRCLE STE 4500 HUNT VALLEY, MD 21030 | BLUE CROSS BLUE SHIELD OF SC | $11K | — | $11K | 9.97% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP | 1439 STUART ENGALS BLVD MT PLEASANT, SC 29464 | BLUE CROSS BLUE SHIELD OF SC | $5K | — | $5K | 4.99% |
| HERLONG MICHAEL3 | 28 GLOBAL DRIVE SUITE 102 GREENVILLE, SC 29607 | KC LIFE | $13K | — | $13K | 100.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR SUITE 200 HUNT VALLEY, MD 21030 | METLIFE LEGAL PLANS | $1K | — | $1K | 9.91% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | PO BOX 14946 GREENSBORO, NC 27415 | METLIFE LEGAL PLANS | — | $41 | $41 | 0.38% |
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 | 172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SC | 147 | $1.6M |
| Dental | BLUE CROSS BLUE SHIELD OF SC | 157 | $108K |
| Vision | KC LIFE | 172 | $13K |
| Life insurance | KC LIFE | 172 | $13K |
| Short-term disability | KC LIFE | 172 | $13K |
| Long-term disability | KC LIFE | 172 | $13K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SC | 147 | $1.6M |
| Other(2 contracts, 2 carriers) | KC LIFE | 172 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.