Form 5500 · Employee benefit plan · COLUMBIA, SC
VC3, INC.
The filing calls this plan VC3, INC. HEALTH AND WELFARE PLAN.
VC3, INC. of COLUMBIA, SC insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is HUB INTERNATIONAL MIDWEST LIMITED. 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 57-0993240 · plan 501 · plan year 2025, filed Jul 22, 2026
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549 other employer plans in South Carolina have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
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.
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 2 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA, covers 386 people.
Reported premium across the insured contracts is $4,680,080, with $189,468 in disclosed broker commissions — about 4% 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.
HUB INTERNATIONAL MIDWEST LIMITED is the broker of record on all 2 contracts.
Two carriers split the book: BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA and UNITEDHEALTHCARE INSURANCE COMPANY.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | Health | 386 | Jan 1, 2026 | $4,165,443 | $127,582 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Dental, Vision, Life, Disability | 505 | Jan 1, 2026 | $514,637 | $61,886 |
Premium and claims on this contract
BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA, contract 25-56874. For the contract year on this filing, the carrier reported $4,165,443 in premium earned and $5,036,711 in claims incurred. Dividing one by the other gives 121%.
- BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA, contract 25-56874 reported $-871,269 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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Renewal calendar
549 other employer plans in South Carolina are January 1 renewals (policy year ends December).
Their policy years end in December, like this plan’s, so most renew January 1. The calendar lists every insured group by renewal date and state, with broker of record, carrier and disclosed commission. You can preview the five largest in each month for free.
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