| 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 | $182K | — | $182K | 2.13% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP INC. | 1612 MARION STREET SUITE 2 COLUMBIA, NC 29201 | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | $91K | — | $91K | 1.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | PO BOX 2158 RIVERSIDE, CA 92516 | STARMOUNT LIFE INSURANCE COMPANY | $42K | $11K | $54K | 12.71% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: KEENAN SUGGS, HUB INTERNATIONAL SE | PO BOX 2158 RIVERSIDE, CA 92516 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $6K | $26K | 15.02% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | 1612 MARION STREET COLUMBIA, NC 29201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 4.30% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: KEENAN SUGGS, HUB INTERNATIONAL SE | PO BOX 2158 RIVERSIDE, CA 92516 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | $5K | $30K | 17.88% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | 1612 MARION STREET COLUMBIA, NC 29201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: KEENAN SUGGS, HUB INTERNATIONAL | PO BOX 2158 RIVERSIDE, CA 92516 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $6K | $21K | 13.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: KEENAN SUGGS, HUB INTERNATIONAL | PO BOX 2158 RIVERSIDE, CA 92516 | UNUM INSURANCE COMPANY | $15K | $853 | $16K | 29.08% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP, INC. | 1612 MARION ST. COLUMBIA, SC 29201 | UNUM INSURANCE COMPANY | $15K | $711 | $16K | 28.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: KEENAN SUGGS, HUB INTERNATIONAL | PO BOX 2158 RIVERSIDE, CA 92516 | UNUM INSURANCE COMPANY | $16K | $763 | $17K | 34.12% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP, INC. | 1612 MARION ST. COLUMBIA, SC 29201 | UNUM INSURANCE COMPANY | $16K | $635 | $17K | 33.86% |
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 | 672 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 676 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 636 | $8.5M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 609 | $424K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 609 | $424K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 672 | $322K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 672 | $170K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 218 | $170K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 672 | $427K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 672 | — |
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.