| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF SOUTH CAROLINA | 7515 NORTHSIDE DRIVE SUITE 150 CHARLESTON, SC 29420 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $30K | — | $30K | 4.15% |
| HIBBITS INSURANCE INC3 | 562 SUMMERS AVENUE ORANGEBURG, SC 29115 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $10K | — | $10K | 1.43% |
| THE CASON GROUP INC3 | 1612 MARION STREET 4TH FLOOR COLUMBIA, SC 29201 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $5K | — | $5K | 0.65% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF SOUTH CAROLINA | PO BOX 5139 SPARTANBURG, SC 29304 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | $833 | $18K | 12.46% |
| THE CASON GROUP INC3 | 1612 MARION STREET 4TH FLOOR COLUMBIA, SC 29201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 5.35% |
| CONSOLIDATED PLANNING HOLDINGS3 | 4201 CONGRESS ST CHARLOTTE, NC 28209 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15 | — | $15 | 0.01% |
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 | 180 | 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) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 91 | $721K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 183 | $147K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 183 | $147K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 183 | $147K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 183 | $147K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 183 | $147K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 91 | $721K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 183 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.