| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) | 1859 SUMMERVILLE AVE STE 600 NORTH CHARLESTON, SC 29405 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $52K | — | $52K | 3.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | $4K | $24K | 20.47% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS, INC | 8777 N GAINEY CENTER DR STE 260 SCOTTSDALE, AZ 85258 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 1.64% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERIVCES INC | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.20% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE | 1859 SUMMERVILLE AVENUE SUITE 600 NORTH CHARLESTON, SC 29405 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $8K | — | $8K | 10.00% |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 138 | $1.7M |
| Dental | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 129 | $77K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $118K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $118K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $118K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $118K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 138 | $1.7M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 218 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.