| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 235 MAGRATH DARBY BOULEVARD SUITE 325 MOUNT PLEASANT, SC 29464 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $78K | $0 | $78K | 2.55% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $59K | $27K | $87K | 22.95% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF MISSOURI | $12K | $927 | $13K | 11.58% |
| UNKNOWN3 | UNKNOWN CONWAY, SC 29526 | EDOCHOME | $3K | $0 | $3K | 23.53% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE CENTER PARKWAY SUITE 700 ATLANTA, GA 30303 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $203 | $1K | 15.35% |
| USI INSURANCE SERVICES LLC3 | 235 MAGRATH DARBY BOULEVARD SUITE 325 MOUNT PLEASANT, SC 29464 | MADISON NATIONAL LIFE INSURANCE COMPANY | $463 | $0 | $463 | 11.93% |
| NORTH AMERICAN BENEFITS COMPANY5 | UNKNOWN CONWAY, SC 29526 | MADISON NATIONAL LIFE INSURANCE COMPANY | $0 | $262 | $262 | 6.75% |
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 | 353 | 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) | 353 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 406 | $3.1M |
| Dental | DELTA DENTAL OF MISSOURI | 621 | $115K |
| Vision | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 406 | $3.1M |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 303 | $386K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 303 | $382K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 303 | $382K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 406 | $3.1M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 303 | $378K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 621 | — |
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.