| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 333 WEST WACKER DRIVE, SUITE 1200 CHICAGO, IL 60606 | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | $133K | — | $133K | 4.92% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 660 RIVER DR CENTER II -SUITE 305 ELMWOOD PARK, NJ 07407 | HARTFORD LIFE AND ACCIDENT | $36K | $16K | $52K | 16.76% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 333 WEST WACKER DRIVE, SUITE 1200 CHICAGO, IL 60606 | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | $12K | — | $12K | 9.86% |
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 | 254 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 254 | $3.0M |
| Dental | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 194 | $117K |
| Vision | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 194 | $19K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 254 | $308K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 254 | $308K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 254 | $308K |
| Prescription drug | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 194 | $2.7M |
| Other | HARTFORD LIFE AND ACCIDENT | 254 | $308K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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.