Form 5500 · Employee benefit plan · CHARLESTON, SC
HOME TEAM MANAGEMENT COMPANY, LLC
The filing calls this plan HOME TEAM MANAGEMENT WELFARE BENEFIT PLAN.
HOME TEAM MANAGEMENT COMPANY, LLC of CHARLESTON, SC spreads its employee benefits across 5 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is NFP CORPORATE SERVICES (SE) INC. Coverage is written through BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA and 4 other carriers. The plan's most recent policy period ended in July.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 81-0747492 · plan 502 · plan year 2025, filed Jan 30, 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 5 insured contracts covering health, dental, vision and life; the largest, with BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA, covers 169 people.
Reported premium across the insured contracts is $1,393,078, with $66,857 in disclosed broker commissions — about 4.8% of premium.
The most recent policy period ended in July, and the plan year ends July 31. Group contracts typically renew on that annual cycle.
NFP CORPORATE SERVICES (SE) INC is the broker of record on 1 of the 5 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA, DELTA DENTAL OF MISSOURI, PRINCIPAL LIFE INSURANCE COMPANY and EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO.. BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | Health | 169 | Aug 1, 2025 | $1,242,747 | $49,760 |
| DELTA DENTAL OF MISSOURI | Dental | 220 | Aug 1, 2025 | $77,721 | $8,435 |
| PRINCIPAL LIFE INSURANCE COMPANY | Life | 112 | Aug 1, 2025 | $45,658 | $6,813 |
| EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | Vision | 166 | Aug 1, 2025 | $19,182 | $1,849 |
| EAP ALLIANCE INC. DBA FIRST SUN EMPLOYEE ASSISTANCE PROGRAM | Health | 342 | Aug 1, 2025 | $7,770 | $0 |
Premium and claims on this contract
BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA, contract 70-87515. For the contract year on this filing, the carrier reported $1,242,747 in premium earned and $805,996 in claims incurred. Dividing one by the other gives 65%.
- BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA, contract 70-87515 reported $436,750 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.
Other plans filed by this employer
How this plan compares
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