| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN BLUESTEIN3 | 1330 LADY STREET COLUMBIA, SC 29201 | BLUECHOICE HEALTHPLAN SOUTH CAROLINA | $49K | — | $49K | 4.00% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP INC. | 1612 MARION STREET 4H STREET COLUMBIA, NC 29201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25K | — | $25K | 20.90% |
| ERIC M ELKINS3 | 6 SATURDAY ROAD MT PLEASANT, SC 29464 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 15.90% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL CAROLINA | 1001 MOREHEAD SQUARE DRIVE SUITE 400 CHARLOTTE, NC 28278 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 7.90% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST DBA SE | 2430 MALL DRIVE SUITE 280 NORTH CHARLESTON, SC 294066549 | DELTA DENTAL OF MISSOURI | $8K | — | $8K | 9.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SOUTHEAST | 2430 MALL DRIVE SUITE 280 NORTH CHARLESTON, SC 294066549 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $4K | $12K | 16.22% |
| COVERAGE UNLIMITED3 | 6 SATURDAY ROAD MT PLEASANT, SC 29464 | DELTA DENTAL OF MISSOURI | $2K | — | $2K | 11.26% |
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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECHOICE HEALTHPLAN SOUTH CAROLINA | 179 | $1.2M |
| Dental | DELTA DENTAL OF MISSOURI | 422 | $83K |
| Vision | DELTA DENTAL OF MISSOURI | 286 | $20K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 266 | $120K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 302 | $72K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 302 | $72K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 266 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 422 | — |
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.