| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 | 7515 NORTHSIDE DR, SUITE 150 NORTH CHARLESTON, SC 29420 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $33K | — | $33K | 2.40% |
| JEFFCOAT & JEFFCOAT LLC3 | 200 CAUGHMAN FARM LN LEXINGTON, SC 29072 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $17K | — | $17K | 1.29% |
| BROWN & BROWN INSURANCE SERVICES3 | 3700 FOREST DRIVE SUITE 300 COLUMBIA, SC 29204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $460 | $5K | 4.75% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF N. CAROLINA | 200 CAUGHMAN FARM LN LEXINGTON, SC 29072 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $997 | — | $997 | 0.96% |
| BROWN & BROWN INSURANCE SERVICES3 | 3700 FOREST DRIVE SUITE 300 COLUMBIA, SC 29204 | STARMOUNT LIFE INSURANCE COMPANY | $7K | $490 | $7K | 7.07% |
| JEFFCOAT & JEFFCOAT LLC3 | 200 CAUGHMAN FARM LN LEXINGTON, SC 29072 | STARMOUNT LIFE INSURANCE COMPANY | $6K | — | $6K | 5.46% |
| BROWN & BROWN INSURANCE SERVICES3 | 3700 FOREST DRIVE SUITE 300 COLUMBIA, SC 29204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $150 | $3K | 9.12% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF N. CAROLINA | 200 CAUGHMAN FARM LN LEXINGTON, SC 29072 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 7.44% |
| BROWN & BROWN INSURANCE SERVICES3 | 3700 FOREST DRIVE SUITE 300 COLUMBIA, SC 29204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $144 | $3K | 9.29% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF N. CAROLINA | 200 CAUGHMAN FARM LN LEXINGTON, SC 29072 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.34% |
| BROWN & BROWN INSURANCE SERVICES3 | 3700 FOREST DRIVE SUITE 300 COLUMBIA, SC 29204 | UNUM INSURANCE COMPANY | $1K | $58 | $1K | 9.28% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF N. CAROLINA | 200 CAUGHMAN FARM LN LEXINGTON, SC 29072 | UNUM INSURANCE COMPANY | $958 | — | $958 | 7.32% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF N. CAROLINA | 200 CAUGHMAN FARM LN LEXINGTON, SC 29072 | UNUM INSURANCE COMPANY | $905 | — | $905 | 10.90% |
| BROWN & BROWN INSURANCE SERVICES3 | 3700 FOREST DRIVE SUITE 300 COLUMBIA, SC 29204 | UNUM INSURANCE COMPANY | $486 | $44 | $530 | 6.38% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF N. CAROLINA | 200 CAUGHMAN FARM LN LEXINGTON, SC 29072 | UNUM INSURANCE COMPANY | $759 | — | $759 | 11.25% |
| BROWN & BROWN INSURANCE SERVICES3 | 3700 FOREST DRIVE SUITE 300 COLUMBIA, SC 29204 | UNUM INSURANCE COMPANY | $378 | $31 | $409 | 6.06% |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 108 | $1.4M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 101 | $101K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 101 | $101K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 158 | $138K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 39 | $32K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 158 | $104K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 108 | $1.4M |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 158 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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.