| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR. SUITE 200 HUNT VALLEY, MD 21030 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $197K | — | $197K | 2.38% |
| AP BENEFIT ADVISORS, LLC3 | 10 N PARK DR STE 200 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $118K | $72K | $190K | 22.84% |
| FMLASOURCE INC3 Filed as: FMLASOURCE INC. | 455 N CITYFRONT PLAZA DR 13TH FL CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $27K | $27K | 3.19% |
| MULTIPLE BROKERS (SEE APPENDIX)3 | PO BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $4K | $11K | 34.89% |
| VARIOUS - SEE ATTACHED3 Filed as: MULTIPLE AGENTS, SEE ATTACHED SCH A | PO BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $670 | $2K | 29.32% |
| VARIOUS - SEE ATTACHED3 Filed as: MULTIPLE AGENTS, SEE ATTACHED SCH A | PO BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $720 | $240 | $960 | 22.10% |
| VARIOUS - SEE ATTACHED3 Filed as: MULTIPLE AGENTS, SEE ATTACHED SCH A | PO BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $961 | $528 | $1K | 37.31% |
| VARIOUS - SEE ATTACHED3 Filed as: MULTIPLE AGENTS, SEE ATTACHED SCH A | PO BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $499 | $2K | 47.33% |
| VARIOUS - SEE ATTACHED3 Filed as: MULTIPLE AGENTS, SEE ATTACHED SCH A | PO BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $956 | $3K | 95.70% |
| VARIOUS - SEE ATTACHED3 Filed as: MULTIPLE AGENTS, SEE ATTACHED SCH A | PO BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $292 | $90 | $382 | 16.92% |
| VARIOUS - SEE ATTACHED3 Filed as: MULTIPLE AGENTS, SEE ATTACHED SCH A | PO BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $437 | $266 | $703 | 77.59% |
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 | 1,449 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,461 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 1,098 | $8.3M |
| Dental | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 1,098 | $8.3M |
| Vision | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 1,098 | $8.3M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,449 | $833K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,449 | $833K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,449 | $833K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 1,098 | $8.3M |
| Other(9 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,449 | $888K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,449 | — |
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.