| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ERIC ELKINS3 | 1330 LADY STREET COLUMBIA, SC 29201 | BLUECHOICE HEALTHPLAN SOUTH CAROLINA | $40K | — | $40K | 4.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: KEENAN SUGGS BOWERS ELKINS, LLC | 1330 LADY STREET SUITE 503 COLUMBIA, SC 292013300 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $1K | $12K | 12.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: KEENAN SUGGS BOWERS ELKINS, LLC | 1330 LADY STREET SUITE 503 COLUMBIA, SC 29201 | DELTA DENTAL OF MISSOURI | $8K | — | $8K | 9.87% |
| COVERAGE UNLIMITED3 | 1330 LADY STREET SUITE 202 COLUMBIA, SC 29201 | ADVANTICA REINSURANCE COMPANY | $2K | — | $2K | 10.00% |
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 | 214 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECHOICE HEALTHPLAN SOUTH CAROLINA | 154 | $989K |
| Dental | DELTA DENTAL OF MISSOURI | 227 | $82K |
| Vision | ADVANTICA REINSURANCE COMPANY | 152 | $16K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 214 | $99K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 214 | $99K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 214 | $99K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 214 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.