| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT COORDINATORS, INC.3 | PO BOX 210546 COLUMBIA, SC 29221 | BLUE CROSS BLUE SHIELD OF SC | $40K | — | $40K | 4.42% |
| BENEFIT COORDINATORS, INC.3 | PO BOX 210546 COLUMBIA, SC 29221 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 7.64% |
| BENEFIT COORDINATORS, INC.3 | PO BOX 210546 COLUMBIA, SC 29221 | COMPANION LIFE | $1K | $0 | $1K | 9.66% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF SC | INTERSTATE 20 AT ALPINE ROAD COLUMBIA, SC 29219 | COMPANION LIFE | $574 | — | $574 | 4.83% |
| BENEFIT COORDINATORS, INC.3 | PO BOX 210546 COLUMBIA, SC 29221 | UNUM LIFE INSURANCE | $450 | — | $450 | 10.74% |
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 | 113 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SC | 98 | $909K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 112 | $131K |
| Vision | COMPANION LIFE | 63 | $12K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 113 | $135K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 112 | $131K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 112 | $131K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SC | 98 | $909K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 113 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.