| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT COORDINATORS, INC.3 Filed as: BENEFIT COORDINATORS, INCORPORATED | POST OFFICE BOX 197 IRMO, SC 29063 | BCBS OF SOUTH CAROLINA | $30K | — | $30K | 2.17% |
| BENEFIT COORDINATORS, INC.3 Filed as: BENEFIT COORDINATORS, INC | PO BOX 197 IRMO, SC 29063 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | — | $18K | 13.00% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP | 1439 STUART ENGALS BLVD UNIT 300 MT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $7K | $7K | 5.00% |
| BENEFIT COORDINATORS, INC.3 Filed as: BENEFIT COORDINATORS, INC | POST OFFICE BOX 197 IRMO, SC 29063 | BCBS OF SOUTH CAROLINA | $9K | — | $9K | 10.81% |
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 | 180 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCBS OF SOUTH CAROLINA | 157 | $1.4M |
| Dental | BCBS OF SOUTH CAROLINA | 154 | $88K |
| Vision | BCBS OF SOUTH CAROLINA | 157 | $11K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 180 | $136K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 180 | $136K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 180 | $136K |
| Prescription drug | BCBS OF SOUTH CAROLINA | 157 | $1.4M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 180 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.