| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 8087 COLUMBIA, SC 29202 | COMPANION LIFE | $35K | — | $35K | 5.49% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | 1612 MARION ST. COLUMBIA, SC 29201 | COMPANION LIFE | $18K | — | $18K | 2.78% |
| 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 | $9K | — | $9K | 12.50% |
| ERIC M ELKINS3 | 6 SATURDAY ROAD MT PLEASANT, SC 29464 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 7.50% |
| 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 | $2 | — | $2 | 0.00% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COMPANION LIFE | 321 | $646K |
| Vision | COMPANION LIFE | 321 | $646K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE | 321 | $721K |
| Short-term disability | COMPANION LIFE | 321 | $646K |
| Long-term disability | COMPANION LIFE | 321 | $646K |
| Other(2 contracts, 2 carriers) | COMPANION LIFE | 321 | $721K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 321 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.