| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CAPITAL INC. | 2305 RIVER ROAD LOUISVILLE, KY 40206 | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | $18K | — | $18K | 2.74% |
| CONSOLIDATED INSURED BENEFITS3 | POST OFFICE BOX 2303 GREENVILLE, SC 29602 | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | $12K | — | $12K | 1.88% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 5909 E GALBRAITH RD STE 5000 CINCINNATI, OH 45236 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.04% |
| JOHN D TRAYNHAM3 | PO BOX 6068 ANDERSON, SC 296236068 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 3.60% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NEACE LUKENS INSURANCE | 2305 RIVER RD LOUISVILLE, KY 40206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.45% |
| HEAD FINANCIAL GROUP INC3 | 880 S PLEASANTBURG DR STE 2C GREENVILLE, SC 29607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 6.91% |
| HEAD FINANCIAL GROUP INC3 Filed as: HEAD FINANCIAL GROUP, INC. | 880 S PLEASANTBURG DR STE 2C GREENVILLE, SC 296072450 | AMERITAS LIFE INSURANCE CORP. | $429 | $292 | $721 | 6.60% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 3860 FABER PLACE DR STE 400 N CHARLESTON, SC 294058555 | AMERITAS LIFE INSURANCE CORP. | $663 | — | $663 | 6.07% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NEACE LUKENS INSURANCE | 2305 RIVER RD LOUISVILLE, KY 40206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $420 | — | $420 | 6.47% |
| HEAD FINANCIAL GROUP INC3 Filed as: HEAD FINANCIAL GROUP INC. | 880 S PLEASANTBURG DR STE 2C GREENVILLE, SC 29607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $283 | — | $283 | 4.36% |
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 | 148 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 148 | $646K |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 148 | $699K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 88 | $11K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 139 | $6K |
| Short-term disability | STANDARD INSURANCE COMPANY | 148 | $53K |
| Long-term disability | STANDARD INSURANCE COMPANY | 148 | $53K |
| Prescription drug | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 148 | $646K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 139 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.
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.