| 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 | $32K | $0 | $32K | 4.12% |
| BENEFIT COORDINATORS, INC.3 Filed as: BENEFIT COORDINATORS, INC | PO BOX 197 IRMO, SC 29063 | MUTUAL OF OMAHA | $12K | $4K | $16K | 15.08% |
| UNITED PRODUCERS GROUP LLC3 | 1439 STUART ENGALS BLVD UNIT 300 MT. PLEASANT, SC 29464 | MUTUAL OF OMAHA | $0 | $5K | $5K | 5.00% |
| BENEFIT COORDINATORS, INC.3 Filed as: BENEFIT COORDINATORS, INC | PO BOX 197 IRMO, SC 29063 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 9.22% |
| UNITED PRODUCERS GROUP LLC3 | 504 ROYALL AVE MT PLEASANT, SC 29464 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 2.31% |
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 | 78 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 78 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCBS OF SC | 68 | $787K |
| Dental | STANDARD INSURANCE COMPANY | 72 | $44K |
| Vision | MUTUAL OF OMAHA | 78 | $108K |
| Life insurance | MUTUAL OF OMAHA | 78 | $108K |
| Short-term disability | MUTUAL OF OMAHA | 78 | $108K |
| Long-term disability | MUTUAL OF OMAHA | 78 | $108K |
| Prescription drug | BCBS OF SC | 68 | $787K |
| Other | MUTUAL OF OMAHA | 78 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 78 | — |
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.