| 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 | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | $169K | — | $169K | 2.33% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP INC. | 1612 MARION STREET SUITE 2 COLUMBIA, NC 29201 | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | $85K | — | $85K | 1.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL CAROLINA | 1001 MOREHEAD SQUARE DRIVE SUITE 400 CHARLOTTE, NC 28278 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $70K | $14K | $84K | 12.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: KEENAN SUGGS, HUB INTERNATIONAL SE | PO BOX 8087 COLUMBIA, SC 29202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $2K | $19K | 13.86% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | 1612 MARION STREET COLUMBIA, NC 29201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: KEENAN SUGGS, HUB INTERNATIONAL SE | PO BOX 8087 COLUMBIA, SC 29202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $2K | $20K | 16.86% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | 1612 MARION STREET COLUMBIA, NC 29201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 5.00% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18K | — | $18K | 16.43% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 8087 COLUMBIA, SC 29202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 1.98% |
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 | 624 | 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) | 624 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 568 | $7.3M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 624 | $701K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 624 | $701K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 624 | $701K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 634 | $134K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 150 | $117K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 624 | $809K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 634 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.