| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT CORDINATORS, INC3 | PO BOX 197 IRMO, SC 29063 | AETNA LIFE INSURANCE CO. | $11K | — | $11K | 0.67% |
| BENEFIT COORDINATORS, INC.3 | PO BOX 197 IRMO, SC 29063 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | — | $16K | 10.07% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP, LLC | 1439 STUART ENGALS BLVD STE 300 MOUNT PLEASANT, SC 29464 | PRINCIPAL LIFE INSURANCE COMPANY | — | $8K | $8K | 5.03% |
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 | 186 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 237 | $1.7M |
| Dental | AETNA LIFE INSURANCE CO. | 237 | $1.7M |
| Vision | AETNA LIFE INSURANCE CO. | 237 | $1.7M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 275 | $160K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 275 | $160K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 275 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.