| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN MCLAUGHLIN | — | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $33K | — | $33K | 1.99% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY | — | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $31K | — | $31K | 1.84% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY | — | UNUM LIFE INSURANCE COMPANY | $19K | — | $19K | 8.77% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNUM LIFE INSURANCE COMPANY | $13K | $2K | $15K | 7.06% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SF INC | — | STARMOUNT LIFE INSURANCE COMPANY | $9K | $4K | $13K | 6.12% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY | — | STARMOUNT LIFE INSURANCE COMPANY | $12K | — | $12K | 5.86% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY | — | UNUM LIFE INSURANCE COMPANY | $5K | — | $5K | 8.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNUM LIFE INSURANCE COMPANY | $4K | $506 | $4K | 7.13% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY | — | UNUM LIFE INSURANCE COMPANY | $3K | — | $3K | 8.13% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNUM LIFE INSURANCE COMPANY | $3K | $428 | $3K | 7.87% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY | — | UNUM INSURANCE COMPANY | $4K | — | $4K | 12.39% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNUM INSURANCE COMPANY | $2K | $206 | $2K | 5.20% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY | — | UNUM INSURANCE COMPANY | $3K | $1K | $4K | 23.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNUM INSURANCE COMPANY | $134 | $28 | $162 | 0.84% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY | — | UNUM INSURANCE COMPANY | $6K | $13 | $6K | 33.87% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNUM INSURANCE COMPANY | $222 | $25 | $247 | 1.50% |
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 | 395 | 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) | 395 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 179 | $1.8M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 244 | $208K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 244 | $208K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY | 395 | $268K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY | 87 | $43K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY | 395 | $211K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 175 | $1.7M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY | 395 | $268K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 395 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.