| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T - BOYLE VAUGHAN3 | 2000 CENTER POINT ROAD, SUITE 2400 COLUMBIA, SC 29210 | UNION SECURITY INSURANCE COMPANY | $6K | — | $6K | 5.42% |
| ASSUREDPARTNERS3 | 4000 SMITH ROAD, SUITE 400 CINCINNATI, OH 45209 | UNION SECURITY INSURANCE COMPANY | $5K | — | $5K | 5.04% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 29221 | UNION SECURITY INSURANCE COMPANY | — | $2K | $2K | 2.33% |
| BB&T - BOYLE VAUGHAN3 | PO BOX 8628 COLUMBIA, SC 29202 | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 5.04% |
| ASSUREDPARTNERS3 | 5905 EAST GALBRAITH ROAD, SUITE 500 CINCINNATI, OH 45236 | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 4.96% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 29221 | UNION SECURITY INSURANCE COMPANY | — | $845 | $845 | 1.17% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 29221 | ALLSTATE BENEFITS | $6K | — | $6K | 15.45% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVENUE, SUITE 190 RALEIGH, NC 27612 | ALLSTATE BENEFITS | $6K | — | $6K | 15.42% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVENUE, SUITE 201 RALEIGH, NC 27612 | VISION SERVICE PLAN | $495 | — | $495 | 3.42% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | VISION SERVICE PLAN | $416 | — | $416 | 2.88% |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 109 | $1.1M |
| Dental | UNION SECURITY INSURANCE COMPANY | 99 | $72K |
| Vision | VISION SERVICE PLAN | 81 | $14K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 151 | $105K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 151 | $105K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 151 | $105K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 109 | $1.1M |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 151 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.