| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CASON GROUP INC3 Filed as: BLAKELY GENOBLE - THE CASON GROUP | 174 MEETING STREET CHARLESTON, SC 29401 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $143K | — | $143K | 5.69% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 550 S CALDWELL STREET STE 1500 CHARLOTTE, NC 28202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $93K | — | $93K | 18.82% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP INC. | 1612 MARION STREET COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $25K | — | $25K | 4.99% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 3201 BEECHLEAF CT SUITE 200 RALEIGH, NC 27604 | FOUR EVER LIFE INSURANCE CO | $84 | — | $84 | 5.02% |
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 | 261 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 174 | $2.5M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 261 | $496K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 261 | $496K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 261 | $496K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 261 | $496K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 261 | $496K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 174 | $2.5M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 261 | $498K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.