| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 1170 WILSON HALL ROAD SUMTER, SC 29150 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $126K | — | $126K | 1.62% |
| AP BENEFIT ADVISORS, LLC3 | 55 BEATTIE PLACE SUITE 910 GREENVILLE, SC 29601 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $60K | — | $60K | 0.76% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR #200 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $120K | $65K | $185K | 21.88% |
| FMLASOURCE INC3 Filed as: FMLASOURCE INC. | 455 N CITYFRONT PLAZA DR 13TH FL CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $25K | $25K | 2.92% |
| MULTIPLE BROKERS (SEE APPENDIX)3 | PO BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $3K | $10K | 30.66% |
| VARIOUS - SEE ATTACHED3 Filed as: MULTIPLE AGENTS, SEE ATTACHED SCH A | PO BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $648 | $149 | $797 | 16.22% |
| VARIOUS - SEE ATTACHED3 Filed as: MULTIPLE AGENTS, SEE ATTACHED SCH A | PO BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $942 | $305 | $1K | 25.51% |
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 | 1,704 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 65 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,775 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 1,135 | $7.8M |
| Dental | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 1,135 | $7.8M |
| Vision | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 1,135 | $7.8M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,704 | $845K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,704 | $845K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,704 | $845K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 1,135 | $7.8M |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,704 | $889K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,704 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.