| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT COORDINATORS, INC.3 Filed as: BENEFIT COORDINATORS | PO BOX 210546 COLUMBIA, SC 29221 | BCBS OF SC | $40K | — | $40K | 3.98% |
| BENEFIT COORDINATORS, INC.3 | PO BOX 210546 COLUMBIA, SC 29221 | AMERITAS | $4K | — | $4K | 5.00% |
| BENEFIT COORDINATORS, INC.3 Filed as: BENEFIT COORDINATORS, INC | PO BOX 210546 COLUMBIA, SC 29221 | MUTUAL OF OMAHA | $6K | $1K | $7K | 12.22% |
| BENEFIT COORDINATORS, INC.3 Filed as: BENEFIT COORDINATORS, INC | PO BOX 210546 COLUMBIA, SC 29221 | UNUM LIFE INSURANCE | $4K | — | $4K | 14.99% |
| BENEFIT COORDINATORS, INC.3 Filed as: BENEFIT COORDINATORS INC | PO BOX 210546 COLUMBIA, SC 29221 | COMPANION LIFE | $1K | $10 | $1K | 9.28% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF SC | I-20 AT ALPINE RD COLUMBIA, SC 29219 | COMPANION LIFE | $601 | — | $601 | 4.60% |
| BENEFIT COORDINATORS, INC.3 Filed as: BENEFIT COORDINATORS | PO BOX 210546 COLUMBIA, SC 29221 | MIDLANDS CASUALTY INSURANCE CO | $4K | $0 | $4K | 44.36% |
| MEDOVA HEALTHCARE5 | 345 N. RIVERVIEW ST. WICHITA, KS 67203 | MIDLANDS CASUALTY INSURANCE CO | $0 | $4K | $4K | 44.36% |
| PHCS4 Filed as: MULTIPLAN INC - PHCS | PO BOX 29380 NEW YORK, NY 100879380 | MIDLANDS CASUALTY INSURANCE CO | $0 | $2K | $2K | 24.20% |
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 | 233 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BCBS OF SC | 104 | $1.0M |
| Dental | AMERITAS | 233 | $83K |
| Vision | COMPANION LIFE | 72 | $13K |
| Life insurance(2 contracts, 2 carriers) | MUTUAL OF OMAHA | 111 | $88K |
| Short-term disability | MUTUAL OF OMAHA | 111 | $61K |
| Long-term disability | MUTUAL OF OMAHA | 111 | $61K |
| Prescription drug(2 contracts, 2 carriers) | BCBS OF SC | 104 | $1.0M |
| Other(2 contracts, 2 carriers) | MUTUAL OF OMAHA | 111 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.