| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT MCELVEEN II3 | 7515 NORTHSIDE DR NORTH CHARLESTON, SC 29420 | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | $6K | $0 | $6K | 12.55% |
| NORTH AMERICAN BENEFITS COMPANY3 | 20 VALLEY STREAM PARKWAY STE 310 MALVERN, PA 19355 | MADISON NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 6.75% |
| BENECHOICE ENROLLMENT SOLUTIONS3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | MADISON NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.59% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF PA | 125 E ELM ST STE 210 CONSHOHOCKEN, PA 19428 | MADISON NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.53% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF PA | 125 E ELM ST STE 210 CONSHOHOCKEN, PA 19428 | EQUITABLE LIFE | $2K | $0 | $2K | 10.00% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY STE 310 MALVERN, PA 19355 | EQUITABLE LIFE | $0 | $973 | $973 | 4.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF PENNSYLVANIA LP | 300 N BEACH DAYTONA BEACH, FL 32114 | COMPANION LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBSSC | 1301 GERVAIS ST STE 900 COLUMBIA, SC 29201 | COMPANION LIFE INSURANCE COMPANY | $940 | $0 | $940 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $75K |
| BROWN & BROWN (PA) EIN 20-0878127 BROKER | Insurance agents and brokers Service code 22 | — | $59K |
| MERITAIN HEALTH, AN AETNA COMPANY EIN 16-1264154 ADMIN. | Claims processing Service code 12 | — | $52K |
| INNOVU EIN 81-1938789 ADMIN. | Claims processing Service code 12 | — | $6K |
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 | 246 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 153 | $47K |
| Vision | COMPANION LIFE INSURANCE COMPANY | 140 | $19K |
| Life insurance | EQUITABLE LIFE | 246 | $24K |
| Short-term disability | MADISON NATIONAL LIFE INSURANCE COMPANY | 116 | $43K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 116 | $345K |
| Other | EQUITABLE LIFE | 246 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.