| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MATTHEW BOWERS3 | PO BOX 8087 COLUMBIA, SC 29202 | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | $148K | — | $148K | 3.79% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL CAROLINA | 1001 MOREHEAD SQUARE DRIVE SUITE 400 CHARLOTTE, NC 28278 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $36K | — | $36K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SOUTHEAST | 1330 LADY STREET COLUMBIA, SC 29201 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $11K | $11K | 3.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 8087 COLUMBIA, SC 29202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27K | — | $27K | 26.47% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 1129 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22K | — | $22K | 21.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | PO BOX 8087 COLUMBIA, SC 29202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $60 | — | $60 | 0.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: KEENAN SUGGS, HUB INTERNATIONAL SE | PO BOX 8087 COLUMBIA, SC 29202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $11K | 17.31% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | 1612 MARION STREET COLUMBIA, NC 29201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $3K | $6K | 9.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: KEENAN SUGGS, HUB INTERNATIONAL SE | PO BOX 8087 COLUMBIA, SC 29202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $9K | 14.00% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | 1612 MARION STREET COLUMBIA, NC 29201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $3K | $6K | 9.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: KEENAN SUGGS, HUB INTERNATIONAL SE | PO BOX 8087 COLUMBIA, SC 29202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19 | — | $19 | 15.08% |
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 | 364 | 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) | 365 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 315 | $3.9M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 351 | $356K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 351 | $356K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 351 | $356K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 364 | $63K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 125 | $64K |
| Other(3 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 351 | $458K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 364 | — |
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.