| 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 | — | $115K | $115K | 38.39% |
| USI INSURANCE SERVICES LLC3 | 8049 CORPORATE CNTR DR CHARLOTTE, NC 29226 | HCC LIFE INSURANCE COMPANY | $43K | $6K | $49K | 16.37% |
| PLANNED ADMINISTRATORS, INC.5 Filed as: PLANNED ADMINISTRATORS INC. | 17 TECHNOLOGY CIRCLE, STE E2AG COLUMBIA, SC 29203 | HCC LIFE INSURANCE COMPANY | $8K | $35K | $44K | 14.55% |
| FIRST STOP HEALTH0 | 24 E WASINGTON ST, SUITE 875 CHICAGO, IL 60602 | HCC LIFE INSURANCE COMPANY | — | $9K | $9K | 2.96% |
| PRIVATE HEALTHCARE SYSTEMS, INC0 | 115 FIFTH AVENUE NEW YORK, NY 10003 | HCC LIFE INSURANCE COMPANY | — | $5K | $5K | 1.70% |
| OCCUNET0 | 1800 S. WASINGTON STREET, STE. 300 AMARILLO, TX 79102 | HCC LIFE INSURANCE COMPANY | — | $570 | $570 | 0.19% |
| TELADOC0 | 2 MANHATTANVILLE RD, SUITE 203 PURCHASE, NY 10577 | HCC LIFE INSURANCE COMPANY | — | $9 | $9 | 0.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $83 | $11K | 9.97% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.01% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2 | $2 | 0.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 8.28% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 2.18% |
| CREATIVE WORKSITE SOLUTIONS LLC3 | 3404 SALTERBECK ST #207 MT PLEASANT, SC 29466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $977 | $3K | 14.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $474 | $474 | 2.43% |
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 | 151 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 151 | $299K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 299 | $112K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 299 | $112K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 75 | $80K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 75 | $80K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 151 | $299K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 64 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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.