| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FORUM BENEFITS INC3 Filed as: FORUM BENEFITS INC. | 23 CLEVELAND ST. STE A GREENVILLE, SC 29601 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $3K | — | $3K | 4.08% |
| FORUM BENEFITS INC3 Filed as: FORUM BENEFITS INC. | 23 CLEVELAND ST. STE A GREENVILLE, SC 29601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $338 | $755 | $1K | 48.45% |
| FORUM BENEFITS INC3 Filed as: FORUM BENEFITS INC. | 23 CLEVELAND ST. STE A GREENVILLE, SC 29601 | UNION OF OMAHA LIFE INSURANCE COMPANY | $297 | $712 | $1K | 50.96% |
| FORUM BENEFITS INC3 Filed as: FORUM BENEFITS INC. | 23 CLEVELAND ST. STE A GREENVILLE, SC 29601 | UNION OF OMAHA LIFE INSURANCE COMPANY | $240 | $516 | $756 | 47.34% |
| FORUM BENEFITS INC3 Filed as: FORUM BENEFITS INC. | 23 CLEVELAND ST. STE A GREENVILLE, SC 29601 | UNION OF OMAHA LIFE INSURANCE COMPANY | $236 | $536 | $772 | 49.02% |
| FORUM BENEFITS INC3 Filed as: FORUM BENEFITS INC. | 23 CLEVELAND ST. STE A GREENVILLE, SC 29601 | UNION OF OMAHA LIFE INSURANCE COMPANY | $137 | $286 | $423 | 46.43% |
| FORUM BENEFITS INC3 Filed as: FORUM BENEFITS INC. | 23 CLEVELAND ST. STE A GREENVILLE, SC 29601 | UNION OF OMAHA LIFE INSURANCE COMPANY | $77 | $160 | $237 | 46.29% |
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 | 156 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 113 | $78K |
| Dental | AMERITAS LIFE INSURANCE COMPANY | 268 | $0 |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 268 | $668 |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 156 | $4K |
| Short-term disability | UNION OF OMAHA LIFE INSURANCE COMPANY | 89 | $2K |
| Long-term disability | UNION OF OMAHA LIFE INSURANCE COMPANY | 93 | $2K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 113 | $78K |
| Other(3 contracts) | UNION OF OMAHA LIFE INSURANCE COMPANY | 156 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.