| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP | P.O. BOX 198 GREER, SC 29652 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $51K | — | $51K | 4.22% |
| GOLDSMITH THEODORE AGENCY INC3 | 3020 DEVINE STREET COLUMBIA, SC 29205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $108 | $3K | 7.86% |
| CORE ENROLLMENT SOLUTIONS3 | 5264 INTERNATIONAL BLVD SUITE 200B NORTH CHARLESTON, SC 29418 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 7.40% |
| UNITED PRODUCERS GROUP LLC3 | 1439 STUART ENGALS BLVD UNIT 300 MOUNT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.53% |
| GOLDSMITH THEODORE AGENCY INC3 | 3020 DEVINE STREET COLUMBIA, SC 29205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $105 | $3K | 6.35% |
| CORE ENROLLMENT SOLUTIONS3 | 5264 INTERNATIONAL BLVD SUITE 200B NORTH CHARLESTON, SC 29418 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.91% |
| UNITED PRODUCERS GROUP LLC3 | 1439 STUART ENGALS BLVD UNIT 300 MOUNT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| GOLDSMITH THEODORE AGENCY INC3 | 3020 DEVINE STREET COLUMBIA, SC 29205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $47 | $1K | 6.25% |
| CORE ENROLLMENT SOLUTIONS3 | 5264 INTERNATIONAL BLVD SUITE 200B NORTH CHARLESTON, SC 29418 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 6.01% |
| UNITED PRODUCERS GROUP LLC3 | 1439 STUART ENGALS BLVD UNIT 300 MOUNT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $923 | — | $923 | 5.00% |
| GOLDSMITH THEODORE AGENCY INC3 | 3020 DEVINE STREET COLUMBIA, SC 29205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $376 | $12 | $388 | 7.81% |
| CORE ENROLLMENT SOLUTIONS3 | 5264 INTERNATIONAL BLVD SUITE 200B NORTH CHARLESTON, SC 29418 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $369 | — | $369 | 7.43% |
| UNITED PRODUCERS GROUP LLC3 | 1439 STUART ENGALS BLVD UNIT 300 MOUNT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $125 | $125 | 2.52% |
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 | 213 | 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) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 163 | $1.2M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 213 | $47K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $41K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 84 | $18K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 213 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.