| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC | 6100 FAIRVIEW RD STE 1400 CHARLOTTE, NC 28210 | COMPANION LIFE INSURANCE COMPANY | — | — | $0 | — |
| THE CASON GROUP INC Filed as: THE CASON GROUP | 1612 MARION ST COLUMBIA, SC 29201 | COMPANION LIFE INSURANCE COMPANY | — | — | $0 | — |
| PROPEL INSURANCE AGENCY LLC3 | 1410 BLANDING ST STE 100 COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | — | $0 | — |
| THE CARSON GROUP INC3 | 1612 MARION ST COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PLANNED ADMINISTRATORS, INC. ADMIN | Claims processing Service code 12 | 17 TECHNOLOGY CIRCLE, STE E2AG COLUMBIA, SC 29203 | $20K |
| USI INSURANCE SERVICES (RI) EIN 13-3771734 BROKER | Insurance agents and brokers Service code 22 | — | $16K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $13K |
| PROPEL (ALERA SC) BROKER | Insurance agents and brokers Service code 22 | 1410 BLANDING ST STE 100 COLUMBIA, SC 29201 | $99 |
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 | 35 | 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) | 35 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 0 | $0 |
| Vision(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 0 | $0 |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 0 | $0 |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 0 | $0 |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | FAIR AMERICAN INSURANCE AND REINSURANCE COMPANY | 35 | $150K |
| Other(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 35 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.