| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SOUTHEAST | 2430 MALL DR SUITE 280 NORTH CHARLESTON, SC 29406 | BLUECHOICE HEALTHPLAN SOUTH CAROLINA | $54K | — | $54K | 4.00% |
| 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 | $11K | $2K | $13K | 10.19% |
| 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 | $12K | — | $12K | 9.88% |
| ERIC M ELKINS3 | 6 SATURDAY ROAD MT PLEASANT, SC 29464 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 4.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SOUTHEAST | 2430 MALL DRIVE SUITE 280 NORTH CHARLESTON, SC 294066549 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $6K | $15K | 16.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST DBA SE | 2430 MALL DRIVE SUITE 280 NORTH CHARLESTON, SC 294066549 | DELTA DENTAL OF MISSOURI | $7K | — | $7K | 10.11% |
| COVERAGE UNLIMITED3 | 6 SATURDAY ROAD MT PLEASANT, SC 29464 | DELTA DENTAL OF MISSOURI (ADVENTICA) | $1K | — | $1K | 7.72% |
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 | 177 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECHOICE HEALTHPLAN SOUTH CAROLINA | 177 | $1.4M |
| Dental | DELTA DENTAL OF MISSOURI | 277 | $74K |
| Vision | DELTA DENTAL OF MISSOURI (ADVENTICA) | 225 | $15K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 279 | $126K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 390 | $90K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 390 | $90K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 279 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 390 | — |
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.