| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 176 CROGHAN SPUR ROAD, SUITE 300 CHARLESTON, SC 29407 | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | $42K | $0 | $42K | 3.99% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $2K | $23K | 15.02% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS | 8575 WEST 110TH STREET, SUITE 210 OVERLAND PARK, KS 66210 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $3K | $13K | 8.46% |
| MARC A GROVE3 Filed as: MARC GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.55% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES, INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.77% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1 | $1 | 0.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | -$7K | -$364 | -$8K | -5.16% |
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 | 209 | 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) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 163 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 209 | $152K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 209 | $152K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 209 | $152K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 209 | $152K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 209 | $152K |
| Prescription drug | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 163 | $1.1M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 209 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.