| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOE SCHAUB3 Filed as: JOE SHAUB | 109 LIPSCOMB LANE COLUMBIA, SC 29229 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $69K | — | $69K | 6.11% |
| ALPHA BENEFITS GROUP INC3 Filed as: ALPHA BENEFITS GROUP, INC. | 125 E. ELM STREET SUITE 210 CONSHOHOCKEN, PA 19428 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $9K | — | $9K | 12.97% |
| THE ABACAUS GROUP, INC3 | 2541 LAFAYETTE PLAZA DRIVE ALBANY, GA 31707 | UNION SECURITY INSURANCE COMPANY | $6K | — | $6K | 12.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNSYLVANIA, INC. | 125 E. ELM STREET SUITE 210 CONSHOHOCKEN, PA 19428 | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 7.30% |
| ALPHA BENEFITS GROUP INC3 Filed as: ALPHA BENEFITS GROUP, INC. | 125 E. ELM STREET SUITE210 CONSHOHOCKEN, PA 19428 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 5.55% |
| DISABILITY RMS5 Filed as: DISABILITY RMS, INC. | ONE RIVERFRONT PLAZA WESTBROOK, ME 040929700 | UNION SECURITY INSURANCE COMPANY | — | $2K | $2K | 4.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS PERRIN FORSTER & CROSBY, INC | MELLON BANK CENTER 1735 MARKET STREET PHILADELPHIA, PA 191037501 | UNION SECURITY INSURANCE COMPANY | — | $719 | $719 | 1.50% |
| THE ABACUS GROUP LLC3 | 252 HARRY LANE BLVD. SUITE 100 KNOXVILLE, TN 37923 | UNION SECURITY INSURANCE COMPANY | — | $195 | $195 | 0.41% |
| ALPHA BENEFITS GROUP INC3 Filed as: ALPHA BENEFITS GROUP, INC. | 125 E. ELM STREET SUITE 210 CONSHOHOCKEN, PA 19428 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 16.95% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES, INC | 1240 BROADCASTING ROAD PO BOX 6707 WYOMISSING, PA 19610 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $547 | — | $547 | 9.99% |
| SCHAUB INSURANCE LLC Filed as: SCHAUB INSURANCE, LLC | 8807 TWO NOTCH ROAD SUITE C COLUMBIA, SC 29223 | COMPANION LIFE | $240 | $10 | $250 | 10.42% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BS OF SOUTH CAROLINA | I-20 AT ALPINE ROAD COLUMBIA, SC 29219 | COMPANION LIFE | $120 | — | $120 | 5.00% |
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 | 353 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 353 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 153 | $1.3M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 153 | $1.2M |
| Life insurance(2 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 386 | $74K |
| Short-term disability(3 contracts, 3 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 386 | $121K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 153 | $1.3M |
| Other | BLUE CROSS BLUE SHIELD OF ALABAMA | 35 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 386 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.