| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT COORDINATORS, INC.3 Filed as: BENEFIT COORDINATORS INCORPORATED | PO BOX 197 IRMO, SC 29063 | BCBS OF SC | $41K | $0 | $41K | 4.12% |
| BENEFIT COORDINATORS, INC.3 Filed as: BENEFIT COORDINATORS | PO BOX 197 IRMO, SC 29063 | MUTUAL OF OMAHA | $18K | $3K | $21K | 12.15% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP | 1439 STUART ENGALS BLVD UNIT 300 MT PLEASANT, SC 29464 | MUTUAL OF OMAHA | $0 | $8K | $8K | 4.76% |
| BENEFIT COORDINATORS, INC.3 Filed as: BENEFIT COORDINATORS | PO BOX 197 IRMO, SC 29063 | COMMUNITY EYE CARE | $1K | $0 | $1K | 10.00% |
| BENEFIT COORDINATORS, INC.3 Filed as: BENEFIT COORDINATORS | PO BOX 197 IRMO, SC 29063 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $573 | — | $573 | 9.98% |
| MEDOVA HEALTHCARE5 | 345 N. RIVERVIEW ST. STE 600 WICHITA, KS 67203 | MIDLANDS CASUALTY INSURANCE COMPANY | — | $3K | $3K | 189.60% |
| BENEFIT COORDINATORS, INC.3 Filed as: BENEFIT COORDINATORS | PO BOX 197 IRMO, SC 29063 | MIDLANDS CASUALTY INSURANCE COMPANY | $2K | — | $2K | 155.13% |
| PHCS4 Filed as: MULTIPLAN INC - PHCS | PO BOX 29380 NEW YORK, NY 10087 | MIDLANDS CASUALTY INSURANCE COMPANY | — | $2K | $2K | 103.42% |
| BROKERS HOLDING GROUP3 | PO BOX 2547 IRMO, SC 29063 | MIDLANDS CASUALTY INSURANCE COMPANY | $504 | — | $504 | 34.47% |
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 | 118 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCBS OF SC | 92 | $988K |
| Dental | MUTUAL OF OMAHA | 95 | $175K |
| Vision | COMMUNITY EYE CARE | 118 | $11K |
| Life insurance | MUTUAL OF OMAHA | 95 | $175K |
| Short-term disability | MUTUAL OF OMAHA | 95 | $175K |
| Long-term disability | MUTUAL OF OMAHA | 95 | $175K |
| Prescription drug | BCBS OF SC | 92 | $988K |
| Stop-loss / reinsurancereinsurance | MIDLANDS CASUALTY INSURANCE COMPANY | 24 | $1K |
| Other(2 contracts, 2 carriers) | MUTUAL OF OMAHA | 96 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.