| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | BLUE CROSS BLUES SHIELD OF SOUTH CAROLINA | $47K | $0 | $47K | 3.41% |
| PROPEL INSURANCE3 | 151 MAJOR REYNOLDS PLACE, SUITE 210 KNOXVILLE, TN 37919 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 15.00% |
| PROPEL INSURANCE AGENCY LLC3 | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 10.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | UNKNOWN CHARLESTON, SC 29407 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $858 | $858 | 3.43% |
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 | 232 | 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) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUES SHIELD OF SOUTH CAROLINA | 148 | $1.4M |
| Dental | BLUE CROSS BLUES SHIELD OF SOUTH CAROLINA | 148 | $1.4M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 153 | $25K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 232 | $94K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 232 | $94K |
| Prescription drug | BLUE CROSS BLUES SHIELD OF SOUTH CAROLINA | 148 | $1.4M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 232 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.