| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, INC. | 1301 GERVAIS ST. STE 500 COLUMBIA, SC 29201 | BLUECHOICE HEALTH PLAN | $128K | — | $128K | 6.33% |
| CAROLINA BENEFIT SOLUTIONS, INC.3 Filed as: CAROLINA BENEFITS SOLUTIONS, INC. | 23 B AUGUSTA CT. GREENVILLE, SC 29605 | BLUECHOICE HEALTH PLAN | $25K | — | $25K | 1.21% |
| USI INSURANCE SERVICES LLC3 | 1301 GERVAIS ST. STE 500 COLUMBIA, SC 29201 | STANDARD INSURANCE COMPANY | $32K | $2K | $34K | 10.80% |
| USI INSURANCE SERVICES LLC3 Filed as: USI NORTHEAST INC | 555 PLEASANTVILLE RD BRIARCLIFF MANOR, NY 10510 | STANDARD INSURANCE COMPANY | $0 | $7K | $7K | 2.21% |
| CAROLINA BENEFIT SOLUTIONS, INC.3 Filed as: CAROLINA BENEFITS SOLUTIONS INC | 9 JENKINSON CT GREENVILLE, SC 29605 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 2.04% |
| MENDEL BOYKIN3 | PO BOX 210546 COLUMBIA, SC 29221 | AMFIRST | $20K | — | $20K | 15.02% |
| MWL3 | PO BOX 14067 JACKSON, MS 39236 | AMFIRST | $7K | — | $7K | 5.01% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP | 1439 STUART ENGALS BLVD SUITE 300 MT. PLEASANT, SC 29464 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 11.85% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 7 EAST CONGRESS ST. SUITE 1002 SAVANNAH, GA 31401 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $859 | — | $859 | 1.95% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $825 | — | $825 | 1.87% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES INC. | PO BOX 141916 CORAL GABLES, FL 33114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $41 | — | $41 | 0.09% |
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 | 179 | 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) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECHOICE HEALTH PLAN | 183 | $2.2M |
| Dental | STANDARD INSURANCE COMPANY | 212 | $312K |
| Vision | STANDARD INSURANCE COMPANY | 212 | $312K |
| Life insurance | STANDARD INSURANCE COMPANY | 212 | $312K |
| Short-term disability | STANDARD INSURANCE COMPANY | 212 | $312K |
| Long-term disability | STANDARD INSURANCE COMPANY | 212 | $312K |
| Prescription drug(2 contracts, 2 carriers) | BLUECHOICE HEALTH PLAN | 183 | $2.2M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 212 | $356K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.