| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 127390 COLUMBIA, SC 29211 | BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA | $18K | — | $18K | 2.14% |
| SOUTHEASTERN INSURANCE CONSULTANTS3 | PO BOX 1396 IRMO, SC 29063 | BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA | $13K | — | $13K | 1.53% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: KEENAN SUGGS BOWERS ELKINS | 1330 LADY STREET SUITE 202 COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $2K | $9K | 9.27% |
| SOUTHEASTERN INSURANCE CONSULTANTS3 | PO BOX 1396 IRMO, SC 29063 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 6.81% |
| UNITED BENEFITS ADVISORS INC3 Filed as: UNITED BENEFITS ADVISORS | 10 WUNSHINE LANE RED LION, PA 17356 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $153 | $153 | 0.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SOUTHEAST | 1330 LADY STREET COLUMBIA, SC 29201 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 6.16% |
| SOUTHEASTERN INSURANCE CONSULTANTS3 | 1061 BICKLEY ROAD IRMO, SC 29063 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.83% |
| CONSOLIDATED PLANNING HOLDINGS3 | — | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $101 | — | $101 | 0.16% |
| SOUTHEASTERN INSURANCE CONSULTANTS3 | PO BOX 1396 IRMO, SC 29063 | PHYSICIANS EYECARE PLAN | $569 | — | $569 | 5.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: KEENAN SUGGS BOWERS ELKINS | 1330 LADY STREET SUITE 202 COLUMBIA, SC 29201 | PHYSICIANS EYECARE PLAN | $553 | — | $553 | 4.92% |
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 | 146 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA | 129 | $833K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 105 | $64K |
| Vision | PHYSICIANS EYECARE PLAN | 167 | $11K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 146 | $95K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 146 | $95K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 146 | $95K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA | 129 | $833K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 146 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.