| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SVC INC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $44K | — | $44K | 9.05% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP, INC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $34K | $34K | 7.02% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF SOUTH CAROLINA INC | 7515 NORTHSIDE DR. STE 150 NORTH CHARLESTON, SC 29420 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $51 | $25K | 9.20% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP INC. | 1612 MARION ST. FL 4 COLUMBIA, SC 29201 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $9K | $22K | 7.99% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | 700 BISHOP ST. 14TH FLOOR HONOLULU, HI 96813 | KAISER FOUNDATION HEALTH PLAN, INC. | $3K | — | $3K | 3.21% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN OF SOUTH CAROLINA I | 7515 NORTHSIDE DR. STE 150 NORTH CHARLESTON, SC 29420 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $51 | $4K | 22.01% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP INC. | 1612 MARION ST. FL 4 COLUMBIA, SC 29201 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $833 | $2K | 9.83% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN OF SOUTH CAROLINA I | 7515 NORTHSIDE DR. STE 150 NORTH CHARLESTON, SC 29420 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $51 | $3K | 22.13% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP INC. | 1612 MARION ST. FL 4 COLUMBIA, SC 29201 | METROPOLITAN LIFE INSURANCE COMPANY | $793 | $648 | $1K | 9.90% |
| BROWN & BROWN INSURANCE SERVICES3 | — | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $907 | — | $907 | 9.79% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | 1585 KAPIOLANI BLVD. STE 1215 HONOLULU, HI 96814 | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | $607 | — | $607 | 15.00% |
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 | 313 | 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) | 313 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 167 | $980K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 313 | $629K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 313 | $271K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 313 | $271K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 313 | $275K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 313 | $271K |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 313 | $633K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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.