| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT COORDINATORS, INC.3 Filed as: BENEFIT COORDINATORS INC | PO BOX 197 IRMO, SC 29063 | BCBS OF SC | $37K | — | $37K | 4.09% |
| BENEFIT COORDINATORS, INC.3 Filed as: BENEFIT COORDINATORS INC | PO BOX 197 IRMO, SC 29063 | MUTUAL OF OMAHA | $9K | $4K | $13K | 16.55% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP | 1439 STUART ENGALS BLVD UNIT 300 MOUNT PLEASANT, SC 29464 | MUTUAL OF OMAHA | — | $4K | $4K | 4.99% |
| BENEFIT COORDINATORS, INC.3 Filed as: BENEFIT COORDINATORS INC | PO BOX 197 IRMO, SC 29063 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 9.21% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP | 504 ROYALL AVE MOUNT PLEASANT, SC 29464 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 2.53% |
| BENEFIT COORDINATORS, INC.3 Filed as: BENEFIT COORDINATORS INC | PO BOX 197 IRMO, SC 29063 | COMMUNITY EYE CARE | $1K | — | $1K | 10.00% |
| BENEFIT COORDINATORS, INC.3 Filed as: BENEFIT COORDINATORS INC | PO BOX 210546 COLUMBIA, SC 29221 | UNUM | $566 | — | $566 | 10.01% |
| MEDOVA HEALTHCARE5 | 345 N. RIVERVIEW ST. STE 600 WICHITA, KS 67203 | MIDLANDS CASUALTY INSURANCE COMPANY | — | $2K | $2K | 170.45% |
| BENEFIT COORDINATORS, INC.3 Filed as: BENEFIT COORDINATORS INC | PO BOX 210546 COLUMBIA, SC 29221 | MIDLANDS CASUALTY INSURANCE COMPANY | $2K | — | $2K | 170.45% |
| PHCS4 Filed as: MULTIPLAN INC - PHCS | GENERAL POST OFFICE PO BOX 29380 NEW YORK, NY 10087 | MIDLANDS CASUALTY INSURANCE COMPANY | — | $600 | $600 | 42.61% |
| BROKERS HOLDING GROUP3 | PO BOX 2547 IRMO, SC 29063 | MIDLANDS CASUALTY INSURANCE COMPANY | $480 | — | $480 | 34.09% |
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 | 121 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCBS OF SC | 79 | $904K |
| Dental(2 contracts, 2 carriers) | MUTUAL OF OMAHA | 89 | $133K |
| Vision | COMMUNITY EYE CARE | 113 | $11K |
| Life insurance | MUTUAL OF OMAHA | 89 | $76K |
| Short-term disability | MUTUAL OF OMAHA | 89 | $76K |
| Long-term disability | MUTUAL OF OMAHA | 89 | $76K |
| Prescription drug | BCBS OF SC | 79 | $904K |
| Stop-loss / reinsurancereinsurance | MIDLANDS CASUALTY INSURANCE COMPANY | 32 | $1K |
| Other(2 contracts, 2 carriers) | MUTUAL OF OMAHA | 121 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.