| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MATTHEW BOWERS3 | PO BOX 8087 COLUMBIA, SC 29202 | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | $116K | — | $116K | 3.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL CAROLINA | 1001 MOREHEAD SQUARE DRIVE SUITE 400 CHARLOTTE, NC 28278 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25K | — | $25K | 6.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SOUTHEAST | 1330 LADY STREET COLUMBIA, SC 29201 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $3K | $15K | 4.12% |
| MATTHEW BOWERS3 Filed as: MATTHEW L BOWERS - MONICA LINDER | PO BOX 12739 COLUMBIA, SC 29211 | KANSAS CITY LIFE INSURANCE COMPANY | $12K | — | $12K | 12.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: KEENAN SUGGS BOWERS ELKINS LLC | 1130 LADY STREET STE 503 COLUMBIA, SC 29201 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | — | $12K | 37.16% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 26.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: KEENAN SUGGS, HUB INTERNATIONAL SE | PO BOX 8087 COLUMBIA, SC 29202 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $129 | $2K | 20.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: KEENAN SUGGS, HUB INTERNATIONAL SE | PO BOX 8087 COLUMBIA, SC 29202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $31 | $3K | 28.79% |
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 | 359 | 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) | 359 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 327 | $3.4M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 359 | $376K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 359 | $376K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 359 | $376K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 340 | $91K |
| Other(4 contracts, 4 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 359 | $428K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 359 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.