| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR #200 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $1K | $10K | 14.49% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SC | 218 TRADE ST STE G GREER, SC 29651 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.30% |
| UNITED PRODICERS GROUP LLC3 | 1439 STUART ENGALS BLVD UNIT 300 MT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.06% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIRCLE #4500 HUNT VALLEY, MD 21030 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $6K | — | $6K | 8.87% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP, LLC | 1439 STUART ENGALS BLVD SUITE 300 MOUNT PLEASANT, SC 29464 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $2K | — | $2K | 3.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECHOICE HEALTH PLAN SC EIN 57-0768835 MEDICAL/RX ADMIN | Claims processing; Contract Administrator Service code 12 | — | $129K |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $68K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $68K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $68K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $68K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.