| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 235 MAGRATH DARBY BOULEVARD SUITE 325 MOUNT PLEASANT, SC 29464 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $29K | $0 | $29K | 3.57% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF MISSOURI | $6K | $402 | $6K | 9.23% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | DELTA DENTAL OF MISSOURI | $772 | $0 | $772 | 1.18% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $771 | $9K | 15.60% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2 | $2 | 0.00% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP, INC. | 1612 MARION STREET, 4TH FLOOR COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $342 | $2K | 15.24% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $0 | $1K | 11.83% |
| USI INSURANCE SERVICES LLC3 | 3805 WEST CHESTER PIKE, SUITE 200 NEWTOWN SQUARE, PA 19073 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $341 | $341 | 3.41% |
| UNKNOWN3 | UNKNOWN BLUFFTON, SC 29910 | TELADOC HEALTH, INC | $423 | $0 | $423 | 14.96% |
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 | 73 | 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) | 73 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 94 | $810K |
| Dental | DELTA DENTAL OF MISSOURI | 158 | $65K |
| Vision | DELTA DENTAL OF MISSOURI | 158 | $65K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 171 | $60K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 171 | $60K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 171 | $60K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 87 | $807K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 171 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.