| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN NORTH CHARLESTON, SC 29405 | BLUECHOICE HEALTHPLAN SOUTH CAROLINA | $54K | $0 | $54K | 4.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 115 CENTRAL ISLAND STREET SUITE 100 CHARLESTON, SC 29492 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $5K | $0 | $5K | 6.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 115 CENTRAL ISLAND STREET SUITE 100 CHARLESTON, SC 29492 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 400 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $193 | $193 | 0.26% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $60 | $60 | 0.08% |
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 | 166 | 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) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECHOICE HEALTHPLAN SOUTH CAROLINA | 166 | $1.3M |
| Dental | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 155 | $77K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 170 | $75K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 170 | $75K |
| Prescription drug | BLUECHOICE HEALTHPLAN SOUTH CAROLINA | 166 | $1.3M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 170 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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.