| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FORUM BENEFITS INC3 Filed as: FORUM BENEFITS INC. | 1122 S MAIN STREET STE B GREENVILLE, SC 29601 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $42K | — | $42K | 4.03% |
| FORUM BENEFITS INC3 Filed as: FORUM BENEFITS | 1122 S MAIN STREET GREENVILLE, SC 29601 | AMERITAS LIFE INSURANCE COMPANY | $15K | $3K | $18K | 12.32% |
| FORUM BENEFITS INC3 Filed as: FORUM BENEFITS INC. | 1122 S MAIN ST STE B GREENVILLE, SC 29601 | UNION OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 20.95% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNION OF OMAHA LIFE INSURANCE COMPANY | — | $851 | $851 | 2.98% |
| FORUM BENEFITS INC3 Filed as: FORUM BENEFITS INC. | 23 CLEVELAND ST. STE A GREENVILLE, SC 29601 | UNION OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 20.98% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNION OF OMAHA LIFE INSURANCE COMPANY | — | $619 | $619 | 2.99% |
| FORUM BENEFITS INC3 Filed as: FORUM BENEFITS INC. | 1122 S MAIN ST STE B GREENVILLE, SC 29601 | UNION OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 21.02% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNION OF OMAHA LIFE INSURANCE COMPANY | — | $594 | $594 | 3.01% |
| FORUM BENEFITS INC3 | 1122 S MAIN ST STE B GREENVILLE, SC 29601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $532 | $2K | 20.92% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $266 | $266 | 2.96% |
| FORUM BENEFITS INC3 | 1122 MAIN ST STE B GREENVILLE, SC 29601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $505 | $2K | 20.89% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $252 | $252 | 2.94% |
| FORUM BENEFITS INC3 Filed as: FORUM BENEFITS INC. | 1122 S MAIN ST STE B GREENVILLE, SC 29601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | — |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $792 | $792 | — |
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 | 159 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 120 | $1.0M |
| Dental | AMERITAS LIFE INSURANCE COMPANY | 332 | $145K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE COMPANY | 332 | $154K |
| Life insurance(2 contracts, 2 carriers) | UNION OF OMAHA LIFE INSURANCE COMPANY | 159 | $21K |
| Short-term disability | UNION OF OMAHA LIFE INSURANCE COMPANY | 97 | $29K |
| Long-term disability | UNION OF OMAHA LIFE INSURANCE COMPANY | 92 | $20K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 120 | $1.0M |
| Other(4 contracts, 3 carriers) | AMERITAS LIFE INSURANCE COMPANY | 332 | $183K |
| 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.