| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ERIC ELKINS3 | 1330 LADY STREET COLUMBIA, SC 29201 | BLUECHOICE HEALTHPLAN SOUTH CAROLINA | $46K | — | $46K | 4.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | NO STREET ADDRESS COLUMBIA, SC 29202 | DELTA DENTAL OF MISSOURI | $8K | — | $8K | 9.90% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SOUTHEAST | 2430 MALL DRIVE SUITE 280 NORTH CHARLESTON, SC 294066549 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 7.17% |
| 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 | $3K | — | $3K | 4.60% |
| COVERAGE UNLIMITED3 Filed as: COVERAGE UNLIMITED LTD | 6 SATURDAY DRIVE MT. PLEASANT, SC 29464 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $269 | $6K | 15.75% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | 1612 MARION STREET COLUMBIA, NC 29201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.00% |
| COVERAGE UNLIMITED3 | 1330 LADY STREET SUITE 202 COLUMBIA, SC 29201 | ADVANTICA REINSURANCE COMPANY | $1K | — | $1K | 10.00% |
| COVERAGE UNLIMITED3 Filed as: COVERAGE UNLIMITED LTD | 6 SATURDAY ROAD MT. PLEASANT, SC 29464 | UNUM LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $93 | $1K | 10.75% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | 1612 MARION STREET COLUMBIA, NC 29201 | UNUM LIFE INSURANCE COMPANY OF NORTH AMERICA | $619 | — | $619 | 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 | 258 | 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) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECHOICE HEALTHPLAN SOUTH CAROLINA | 151 | $1.1M |
| Dental | DELTA DENTAL OF MISSOURI | 233 | $82K |
| Vision | ADVANTICA REINSURANCE COMPANY | 156 | $14K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 258 | $48K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 258 | $72K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 258 | $72K |
| Other | UNUM LIFE INSURANCE COMPANY OF NORTH AMERICA | 258 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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.