Form 5500 · Employee benefit plan · LEXINGTON, SC
EPTING DISTRIBUTORS, INC.
Public Form 5500 records show how EPTING DISTRIBUTORS, INC. of LEXINGTON, SC, a wholesale trade employer, structures its employee benefits. Its broker of record is VERO ADVISING. Coverage is written through BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA and 1 other carrier. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 57-0510271 · plan 501 · plan year 2025, filed Jul 31, 2026
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How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
Also declared: other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 7 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA, covers 128 people.
Reported premium across the insured contracts is $1,655,991, with $85,428 in disclosed broker commissions — about 5.2% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
VERO ADVISING is the broker of record on 6 of the 7 contracts; the rest name a different broker or none.
Two carriers split the book: BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA and STANDARD INSURANCE COMPANY.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | Health | 128 | Jan 1, 2026 | $1,450,591 | $58,054 |
| STANDARD INSURANCE COMPANY | Life | 182 | Jan 1, 2026 | $50,154 | $7,557 |
| STANDARD INSURANCE COMPANY | Dental | 115 | Jan 1, 2026 | $71,611 | $6,604 |
| STANDARD INSURANCE COMPANY | Disability | 45 | Jan 1, 2026 | $32,650 | $4,898 |
| STANDARD INSURANCE COMPANY | Health | 62 | Jan 1, 2026 | $22,396 | $4,622 |
| STANDARD INSURANCE COMPANY | Disability | 49 | Jan 1, 2026 | $18,270 | $2,740 |
| STANDARD INSURANCE COMPANY | Vision | 106 | Jan 1, 2026 | $10,319 | $953 |
Premium and claims on these contracts
BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA, contract 25-87916. For the contract year on this filing, the carrier reported $1,450,591 in premium earned and $2,859,091 in claims incurred. Dividing one by the other gives 197%.
STANDARD INSURANCE COMPANY, contract 172083. For the contract year on this filing, the carrier reported $50,154 in premium earned and $13,521 in claims incurred. Dividing one by the other gives 27%.
STANDARD INSURANCE COMPANY, contract 172083. For the contract year on this filing, the carrier reported $71,418 in premium earned and $53,510 in claims incurred. Dividing one by the other gives 75%.
STANDARD INSURANCE COMPANY, contract 172083. For the contract year on this filing, the carrier reported $32,650 in premium earned and $-17,508 in claims incurred. Dividing one by the other gives -54%.
STANDARD INSURANCE COMPANY, contract 172083. For the contract year on this filing, the carrier reported $18,270 in premium earned and $27,908 in claims incurred. Dividing one by the other gives 153%.
STANDARD INSURANCE COMPANY, contract 172083. For the contract year on this filing, the carrier reported $10,285 in premium earned and $4,634 in claims incurred. Dividing one by the other gives 45%.
- BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA, contract 25-87916 reported $-1,408,500 in retention.
- STANDARD INSURANCE COMPANY, contract 172083 reported $36,633 in retention.
- STANDARD INSURANCE COMPANY, contract 172083 reported $17,908 in retention.
- STANDARD INSURANCE COMPANY, contract 172083 reported $50,158 in retention.
- STANDARD INSURANCE COMPANY, contract 172083 reported $-9,638 in retention.
- STANDARD INSURANCE COMPANY, contract 172083 reported $5,651 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Reported to OSHA
Reported to OSHA for 2025: 36 employees, 1 recordable cases, 4 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
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