| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFIT STRATEGIES LLC3 Filed as: GROUP BENEFIT STRATEGIES | 32 PARKWAY COMMONS WAY GREER, SC 29650 | BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA | $62K | $0 | $62K | 5.73% |
| CHARLES W MOSELEY3 Filed as: CHARLES W. MOSELEY | 32 PARKWAY COMMONS WAY GREER, SC 29650 | STARMOUNT LIFE INSURANCE COMPANY | $9K | $0 | $9K | 8.49% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1120 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30009 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $357 | $2K | 2.12% |
| GROUP BENEFIT STRATEGIES LLC3 Filed as: GROUP BENEFIT STRATEGIES | 32 PARKWAY COMMONS WAY GREER, SC 29650 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 10.44% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1120 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $300 | $2K | 2.59% |
| CHARLES W MOSELEY3 Filed as: CHARLES W. MOSELEY | 32 PARKWAY COMMONS WAY GREER, SC 29650 | UNUM INSURANCE COMPANY | $2K | $0 | $2K | 12.54% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1120 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30009 | UNUM INSURANCE COMPANY | $295 | $39 | $334 | 2.79% |
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 | 256 | 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) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA | 161 | $1.1M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 289 | $103K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 289 | $103K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 245 | $85K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 245 | $85K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 245 | $85K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA | 161 | $1.1M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 245 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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.