| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 401 NORTH MICHIGAN, #1200 CHICAGO, IL 60611 | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | $153K | — | $153K | 5.06% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | PO BOX 818078 CLEVELAND, OH 44181 | HARTFORD LIFE AND ACCIDENT | $32K | — | $32K | 10.55% |
| SELMAN & COMPANY, LLC3 | ONE INTEGRITY PARKWAY CLEVELAND, OH 44143 | HARTFORD LIFE AND ACCIDENT | — | $14K | $14K | 4.52% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 660 RIVER DR CENTER II -SUITE 305 ELMWOOD PARK, NJ 07407 | HARTFORD LIFE AND ACCIDENT | $4K | $5K | $10K | 3.10% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL ST - 4TH FLOOR BOSTON, MA 02110 | HARTFORD LIFE AND ACCIDENT | — | $382 | $382 | 0.12% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 401 NORTH MICHIGAN - #1200 CHICAGO, IL 60611 | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | $12K | — | $12K | 10.14% |
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 | 267 | 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) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 267 | $3.3M |
| Dental | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 201 | $122K |
| Vision | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 201 | $19K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 267 | $307K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 267 | $307K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 267 | $307K |
| Prescription drug | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 201 | $3.0M |
| Other | HARTFORD LIFE AND ACCIDENT | 267 | $307K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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.