| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | POST OFFICE BOX 897 CHARLESTON, SC 29402 | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | $30K | — | $30K | 0.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203510 DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 5.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 176 CROGHAN SPUR ROAD, SUITE 300 CHARLESTON, SC 29407 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $351 | $16K | 20.34% |
| BENEFIT CONTROLS OF THE MIDLANDS3 Filed as: BENEFIT CONTROLS OF SC., INC. | 116B RUTLEDGE AVENUE CHARLESTON, SC 29401 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 9.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203491 DALLAS, TX 75320 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 5.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203501 DALLAS, TX 75320 | HM LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
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 | 375 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 407 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 301 | $3.1M |
| Vision | HM LIFE INSURANCE COMPANY | 197 | $24K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 303 | $150K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 303 | $150K |
| Prescription drug(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 301 | $3.1M |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 383 | $261K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 383 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.