| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK STRATEGIES COMPANY3 Filed as: ASSOCIATIONS RISK PARTNERS | 3906 MACGREGOR DRIVE COLUMBIA, SC 29206 | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | $26K | — | $26K | 2.35% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | POST OFFICE BOX 27149 GREENVILLE, SC 29616 | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | $14K | — | $14K | 1.24% |
| RISK STRATEGIES COMPANY3 Filed as: ASSOCIATION RISK PARTNERS, LLC | 3906 MACGREGOR DRIVE COLUMBIA, SC 29206 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 8.04% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | 1612 MARION STREET SUITE 1 COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 3.34% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 1150 JULIAN DRIVE SUITE 100 WATKINSVILLE, GA 30677 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 2.62% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3605 GLENWOOD AVENUE SUITE 190 RALEIGH, NC 27612 | SUN LIFE ASSURANCE COMPANY OF CANADA | $17 | — | $17 | 0.01% |
| DAVID D CERVA3 Filed as: DAVID VAN DE WATER | 1901 BULL STREET COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14 | — | $14 | 0.01% |
| BB&T OF COLUMBIA3 | P.O. BOX 8628 COLUMBIA, SC 29202 | SUN LIFE ASSURANCE COMPANY OF CANADA | -$67 | — | -$67 | -0.05% |
| RISK STRATEGIES COMPANY3 Filed as: ASSOCIATION RISK PARTNERS LLC | 3906 MCGREGOR DRIVE COLUMBIA, SC 29206 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 9.13% |
| MCGRIFF INSURANCE SERVICES INC3 | 2000 CENTER POINT ROAD SUITE 2400 COLUMBIA, SC 29210 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 1.40% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3150 SOUTH MAIN STREET HARRISONBURG, VA 22801 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 1.40% |
| RISK STRATEGIES COMPANY3 Filed as: ASSOCIATION RISK PARTNERS | 3906 MACGREGOR DRIVE COLUMBIA, SC 29206 | PHYSICIANS EYECARE PLAN | $723 | — | $723 | 6.18% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 1150 JULIAN DRIVE SUITE 100 WATKINSVILLE, GA 30677 | PHYSICIANS EYECARE PLAN | $448 | — | $448 | 3.83% |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 85 | $1.1M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 90 | $110K |
| Vision | PHYSICIANS EYECARE PLAN | 181 | $12K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 145 | $122K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 145 | $122K |
| Prescription drug | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 85 | $1.1M |
| Other(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 145 | $232K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.