| 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 | — | $87K | $87K | 42.41% |
| USI INSURANCE SERVICES LLC3 | 8049 CORPORATE CNTR DR CHARLOTTE, NC 29226 | HCC LIFE INSURANCE COMPANY | $30K | $6K | $36K | 17.47% |
| PLANNED ADMINISTRATORS, INC.5 Filed as: PLANNED ADMINISTRATORS INC. | 17 TECHNOLOGY CIRCLE, STE E2AG COLUMBIA, SC 29203 | HCC LIFE INSURANCE COMPANY | $6K | $29K | $35K | 17.21% |
| TELADOC0 | — | HCC LIFE INSURANCE COMPANY | — | $4K | $4K | 2.19% |
| PRIVATE HEALTHCARE SYSTEMS, INC0 | 115 FIFTH AVENUE NEW YORK, NY 10003 | HCC LIFE INSURANCE COMPANY | — | $2K | $2K | 0.82% |
| HEALTHRISK RESOURCE GROUP, LLC0 | 505 CITY PARKWAY WEST, SUITE 1000 ORANGE, CA 92868 | HCC LIFE INSURANCE COMPANY | — | $757 | $757 | 0.37% |
| USI INSURANCE SERVICES LLC3 | 8049 CORPORATE CENTER DR MECKLENBURG, NC 28226 | SUN LIFE FINANCIAL | $8K | — | $8K | 10.04% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE SUITE 400 VALHALLA, NY 105951339 | SUN LIFE FINANCIAL | — | $1K | $1K | 1.64% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $1K | $6K | 14.87% |
| CREATIVE WORKSITE SOLUTIONS LLC3 | 3404 SALTERBECK ST #207 MT PLEASANT, SC 29466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $915 | $3K | 14.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 62689 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $339 | $1K | 7.85% |
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 | 144 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 144 | $205K |
| Dental | SUN LIFE FINANCIAL | 114 | $82K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 195 | $40K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 195 | $40K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 144 | $205K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 61 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.