| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT COORDINATORS, INC.3 | PO BOX 210546 COLUMBIA, SC 29221 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $29K | — | $29K | 2.95% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 8049 CORPORATE CENTER DRIVE CHARLOTTE, NC 28226 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $10K | — | $10K | 1.02% |
| BENEFIT COORDINATORS, INC.3 | PO BOX 210546 COLUMBIA, SC 29221 | AMERITAS LIFE INSURANCE CORPORATION | $2K | — | $2K | 3.90% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 8049 CORPORATE CENTER DRIVE CHARLOTTE, NC 28226 | AMERITAS LIFE INSURANCE CORPORATION | $802 | — | $802 | 1.28% |
| BENEFIT COORDINATORS, INC.3 | PO BOX 210546 COLUMBIA, SC 29221 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| BENEFIT COORDINATORS, INC.3 | PO BOX 210546 COLUMBIA, SC 29221 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 9.59% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF SOUTH CAROLINA | I-20 AT ALPINE ROAD COLUMBIA, SC 29219 | COMPANION LIFE INSURANCE COMPANY | $981 | — | $981 | 5.56% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 8049 CORPORATE CENTER DRIVE CHARLOTTE, NC 28226 | COMPANION LIFE INSURANCE COMPANY | $270 | — | $270 | 1.53% |
| UNKNOWN3 | UNKNOWN ROCK HILL, SC 29730 | COMPANION LIFE INSURANCE COMPANY | — | $16 | $16 | 0.09% |
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 | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 123 | $983K |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 332 | $63K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 332 | $63K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 141 | $18K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 150 | $34K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 123 | $983K |
| Other | COMPANION LIFE INSURANCE COMPANY | 141 | $18K |
| 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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.