| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SOUTHEAST INSURANCE GROUP INC3 | 2340 HARD SCRABBLE RD COLUMBIA, SC 29223 | BLUECHOICE HEALTHPLAN | $140K | — | $140K | 4.00% |
| SOUTHEAST INSURANCE GROUP INC3 | 2340 HARDSCRABBLE RD COLUMBIA, SC 29223 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $62K | — | $62K | 15.13% |
| SOUTHEAST INSURANCE GROUP INC3 | 2340 HARDSCRABBLE RD COLUMBIA, SC 29223 | HUMANA INSURANCE COMPANY | $27K | $3K | $30K | 10.59% |
| SOUTHEAST INSURANCE GROUP INC3 | 2340 HARDSCRABBLE RD COLUMBIA, SC 29223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23K | — | $23K | 20.63% |
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 | 570 | 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) | 570 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECHOICE HEALTHPLAN | 369 | $3.5M |
| Dental | HUMANA INSURANCE COMPANY | 371 | $285K |
| Vision | HUMANA INSURANCE COMPANY | 371 | $285K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 474 | $411K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 474 | $411K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 474 | $411K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 474 | $522K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 474 | — |
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.