| 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 | $7K | — | $7K | 10.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SOUTHEAST | 2430 MALL DRIVE SUITE 280 NORTH CHARLESTON, SC 294066549 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $5K | $11K | 18.06% |
| COVERAGE UNLIMITED3 Filed as: COVERAGE UNLIMITED LTD | 6 SATURDAY DRIVE MT. PLEASANT, SC 29464 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $255 | $5K | 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 | $81 | $1K | 11.69% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | 1612 MARION STREET COLUMBIA, NC 29201 | UNUM LIFE INSURANCE COMPANY OF NORTH AMERICA | $543 | — | $543 | 5.44% |
| COVERAGE UNLIMITED3 | 1330 LADY STREET SUITE 202 COLUMBIA, SC 29201 | DELTA DENTAL OF MISSOURI | $115 | — | $115 | 10.02% |
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 | 129 | 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) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECHOICE HEALTHPLAN SOUTH CAROLINA | 170 | $1.2M |
| Dental | DELTA DENTAL OF MISSOURI | 227 | $75K |
| Vision(2 contracts, 2 carriers) | ADVANTICA REINSURANCE COMPANY | 162 | $15K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 256 | $44K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 285 | $63K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 285 | $63K |
| Other | UNUM LIFE INSURANCE COMPANY OF NORTH AMERICA | 256 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.