| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAROLINA BENEFIT SOLUTIONS, INC.3 Filed as: CAROLINA BENEFITS SOLUTIONS INC. | 118 OAKVIEW DR. GREENVILLE, SC 29605 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 4.26% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP | 1439 STUART ENGALS BLVD UNIT 3 MT. PLEASANT, SC 29464 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 4.10% |
| CAROLINA BENEFIT SOLUTIONS, INC.3 Filed as: CAROLINA BENEFITS SOLUTIONS INC. | 23B AUGUSTA CT GREENVILLE, SC 29605 | THE STANDARD | $22K | $0 | $22K | 15.00% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP | 1439 STUART ENGALS BLVD SUITE 300 MT. PLEASANT, SC 29464 | ALLSTATE BENEFITS | $7K | $0 | $7K | 20.27% |
| USI INSURANCE SERVICES LLC3 Filed as: USI IN SERVICES LLC | 7 EAST CONGRESS ST. SUITE 1002 SAVANNAH, GA 31401 | ALLSTATE BENEFITS | $534 | $0 | $534 | 1.45% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | ALLSTATE BENEFITS | $523 | $0 | $523 | 1.42% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES INC | PO BOX 141916 CORAL GABLES, FL 33114 | ALLSTATE BENEFITS | $31 | $0 | $31 | 0.08% |
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) | BLUECHOICE HEALTH PLAN | 198 | $2.3M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 384 | $170K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 384 | $170K |
| Life insurance | THE STANDARD | 226 | $144K |
| Short-term disability | THE STANDARD | 226 | $144K |
| Long-term disability | THE STANDARD | 226 | $144K |
| Prescription drug | BLUECHOICE HEALTH PLAN | 198 | $2.3M |
| Other | ALLSTATE BENEFITS | 162 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 384 | — |
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."
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.