| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA0 Filed as: BCBS | I-20 ALPINE ROAD COLUMBIA, SC 292190001 | HCC LIFE INSURANCE COMPANY | — | $71K | $71K | 38.33% |
| PLANNED ADMINISTRATORS, INC.5 Filed as: PLANNED ADMINISTRATORS INC. | 17 TECHNOLOGY CIRCLE, STE E2AG COLUMBIA, SC 29203 | HCC LIFE INSURANCE COMPANY | $8K | $29K | $37K | 19.73% |
| USI INSURANCE SERVICES LLC3 | 8049 CORPORATE CNTR DR CHARLOTTE, NC 29226 | HCC LIFE INSURANCE COMPANY | $27K | $6K | $33K | 17.88% |
| PRIVATE HEALTHCARE SYSTEMS, INC0 | 115 FIFTH AVENUE NEW YORK, NY 10003 | HCC LIFE INSURANCE COMPANY | — | $9K | $9K | 4.72% |
| HEALTHRISK RESOURCE GROUP, LLC0 | 505 CITY PARKWAY WEST, SUITE 1000 ORANGE, CA 92868 | HCC LIFE INSURANCE COMPANY | — | $820 | $820 | 0.44% |
| USI INSURANCE SERVICES LLC3 | 8049 CORPORATE CNTR DR CHARLOTTE, NC 28226 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 6.61% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 3.85% |
| BENEFIT CONTROLS OF THE MIDLANDS3 Filed as: BENEFIT CONTROLS OF S C INC | 109 LAURENS ROAD, BLDG 3 GREENVILLE, SC 29607 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $868 | $868 | 1.10% |
| BENEFIT CONTROLS OF THE CAROLINAS3 | 8049 CORPORATE CNTR DR CHARLOTTE, NC 28226 | SUN LIFE ASSURANCE COMPANY OF CANADA | $753 | — | $753 | 0.95% |
| USI INSURANCE SERVICES LLC3 | 8049 CORPORATE CNTR DR CHARLOTTE, NC 29226 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 6.23% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 4.57% |
| BENEFIT CONTROLS OF THE MIDLANDS3 Filed as: BENEFIT CONTROLS OF S C INC | 109 LAURENS ROAD, BLDG 3 GREENVILLE, SC 29607 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $769 | $769 | 1.75% |
| CREATIVE WORKSITE SOLUTIONS LLC3 | 3404 SALTERBECK ST #207 MT PLEASANT, SC 29466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 14.68% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 62689 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $258 | $1K | 7.43% |
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 | 159 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 159 | $185K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 131 | $79K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 246 | $44K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 246 | $44K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 159 | $185K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 70 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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.