| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIBBITS INSURANCE INC Filed as: HIBBITS INSURANCE INC. | POST OFFICE BOX 2369 ORANGEBURG, SC 29116 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $80K | — | $80K | 4.02% |
| JOHN HIBBITS | POST OFFICE BOX 2369 ORANGEBURG, SC 29116 | AMFIRST | $34K | — | $34K | 10.00% |
| MWL | POST OFFICE BOX 14067 JACKSON, MS 39236 | AMFIRST | $17K | — | $17K | 5.00% |
| GIBSON & ASSOCIATES INCORPORATED Filed as: GIBSON & ASSOC | 7139 BROAD RIVER ROAD COLUMBIA, SC 29063 | AMFIRST | $11K | — | $11K | 3.15% |
| HIBBITS INSURANCE INC Filed as: HIBBITS INSURANCE INC. | POST OFFICE BOX 2369 ORANGEBURG, SC 29116 | GUARDIAN | $13K | $11K | $24K | 9.24% |
| TONY B. ANDERSON | 7598 TALMAGE ROAD AYNOR, SC 29511 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 9.32% |
| HAROLD K. MCCUTCHEN Filed as: HAROLD K MCCUTCHEN | 13469 DELIGHT ROAD ANDREWS, SC 29510 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 4.89% |
| MARSH & MCLENNAN AGENCY LLC Filed as: WILLIAM A MARSH | 9500 INDIGO CREEK BLVD MURRELLS INLET, SC 29576 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.02% |
| RMANN GROUP INC Filed as: RMANN GROUP | 317 WELLNESS COURT MYRTLE BEACH, SC 29579 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.92% |
| JUSTIN M GUIDI | 555 NORTH PLEASANTBURG DRIVE GREENVILLE, SC 29607 | CONTINENTAL AMERICAN INSURANCE COMPANY | $719 | — | $719 | 0.59% |
| JOHN D TYLER | 2131 KILEY WAY EDMOND, OK 73034 | CONTINENTAL AMERICAN INSURANCE COMPANY | $420 | — | $420 | 0.34% |
| BRIDGET BRANCATO | 107 WILLOW RIDGE ROAD MYRTLE BEACH, SC 29588 | CONTINENTAL AMERICAN INSURANCE COMPANY | $417 | — | $417 | 0.34% |
| DAYTON LLC | 221 SERENITY DRIVE PICKENS, SC 29671 | CONTINENTAL AMERICAN INSURANCE COMPANY | $96 | — | $96 | 0.08% |
| GARY W JOHNSON | 123 CENTER PARK DRIVE SUITE 123 KNOXVILLE, TN 37922 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | — | $35 | 0.03% |
| KEVIN R MCFADDEN Filed as: KEVIN MCFADDEN | 2612 LOHR DRIVE MT PLEASANT, SC 29466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.01% |
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 | 209 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 210 | $2.3M |
| Dental | GUARDIAN | 225 | $263K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 253 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.