| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT COORDINATORS, INC.3 Filed as: BENEFIT COORDINATORS INC | PO BOX 197 IRMO, SC 29063 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| BENEFIT COORDINATORS, INC.3 Filed as: BENEFIT COORDINATORS INC | PO BOX 197 IRMO, SC 29063 | CIGNA LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 15.00% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP | 1439 STUART ENGALS BLVD STE 300 MOUNT PLEASANT, SC 29464 | CIGNA LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 5.00% |
| BENEFIT COORDINATORS, INC.3 Filed as: BENEFIT COORDINATORS | PO BOX 197 IRMO, SC 29063 | RELIANCE STANDARD | $382 | $0 | $382 | 1.25% |
| BENEFIT COORDINATORS, INC.3 Filed as: BENEFIT COORDINATORS INC | PO BOX 197 IRMO, SC 29464 | CIGNA LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP | 1439 STUART ENGALS BLVD STE 300 MOUNT PLEASANT, SC 29464 | CIGNA LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 5.00% |
| BENEFIT COORDINATORS, INC.3 Filed as: BENEFIT COORDINATORS INC | PO BOX 197 IRMO, SC 29063 | CIGNA LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP | 1439 STUART ENGALS BLVD STE 300 MOUNT PLEASANT, SC 29464 | CIGNA LIFE INSURANCE COMPANY OF AMERICA | $0 | $992 | $992 | 5.00% |
| BENEFIT COORDINATORS, INC.3 Filed as: BENEFIT COORDINATORS | PO BOX 197 IRMO, SC 29063 | CIGNA LIFE INSURANCE COMPANY OF AMERICA | $241 | — | $241 | 15.02% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP | 1439 STUART ENGALS BLVD STE 300 MOUNT PLEASANT, SC 29464 | CIGNA LIFE INSURANCE COMPANY OF AMERICA | $0 | $80 | $80 | 4.99% |
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 | 171 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 171 | $124K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF AMERICA | 0 | $20K |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF AMERICA | 0 | $21K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF AMERICA | 0 | $39K |
| Other | CIGNA LIFE INSURANCE COMPANY OF AMERICA | 0 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.