| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAURIE WINSTON3 | FORUM BENEFITS, INCORPORATED 1122 SOUTH MAIN ST, SUITE B GREENVILLE, SC 29601 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $51K | $0 | $51K | 2.61% |
| FORUM BENEFITS INC3 | 1122 S MAIN ST GREENSVILLE, SC 29601 | DELTA DENTAL OF MISSOURI | $8K | $0 | $8K | 10.02% |
| FORUM BENEFITS INC3 | 1122 S MAIN ST GREENVILLE, SC 29601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $2K | $10K | 18.56% |
| NATIONAL BENEFIT, INC.3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.05% |
| FORUM BENEFITS INC3 | 1122 S MAIN ST GREENVILLE, SC 29601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $1K | $8K | 18.48% |
| NATIONAL BENEFIT, INC.3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.98% |
| FORUM BENEFITS INC3 | 1122 S MAIN ST GREENVILLE, SC 29601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 18.41% |
| NATIONAL BENEFIT, INC.3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $905 | $905 | 2.92% |
| FORUM BENEFITS INC3 | 1122 S MAIN ST GREENVILLE, SC 29601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $972 | $5K | 18.52% |
| NATIONAL BENEFIT, INC.3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $833 | $833 | 3.02% |
| FORUM BENEFITS INC3 | 1122 S MAIN ST GREENVILLE, SC 29601 | DELTA DENTAL OF MISSOURI | $2K | $0 | $2K | 10.89% |
| FORUM BENEFITS INC3 | 1122 S MAIN ST GREENVILLE, SC 29601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $311 | $2K | 17.73% |
| NATIONAL BENEFIT, INC.3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $268 | $268 | 2.35% |
| FORUM BENEFITS INC3 | 1122 S MAIN ST GREENVILLE, SC 29601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $311 | $2K | 17.75% |
| NATIONAL BENEFIT, INC.3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $267 | $267 | 2.36% |
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 | 176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 143 | $1.9M |
| Dental | DELTA DENTAL OF MISSOURI | 251 | $82K |
| Vision | DELTA DENTAL OF MISSOURI | 232 | $15K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 176 | $93K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 132 | $31K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 176 | $28K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 143 | $1.9M |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 176 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.