| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CASON GROUP INC3 Filed as: THE CASON GROUP, INCORPORATED | 1612 MARION STREET, 4TH FLOOR COLUMBIA, SC 29201 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $73K | — | $73K | 5.28% |
| JEFFCOAT & JEFFCOAT LLC3 Filed as: JEFFCOAT AND JEFFCOAT LLC | 200 CAUGHMAN FARM LN LEXINGTON, SC 29072 | MUTUAL OF OMAHA | $11K | — | $11K | 11.94% |
| THE BENEFIT COMPANY INC5 Filed as: BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 29221 | MUTUAL OF OMAHA | — | $947 | $947 | 0.99% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT COMPANY, INC. | PO BOX 23127 COLUMBIA, SC 29224 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 14.99% |
| JEFFCOAT & JEFFCOAT LLC3 Filed as: JEFFCOAT AND JEFFCOAT LLC | 200 CAUGHMAN FARM LN LEXINGTON, SC 29072 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 14.99% |
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 | 216 | 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) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 104 | $1.4M |
| Dental | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 104 | $1.4M |
| Vision | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 104 | $1.4M |
| Life insurance | MUTUAL OF OMAHA | 216 | $96K |
| Short-term disability | MUTUAL OF OMAHA | 216 | $96K |
| Long-term disability | MUTUAL OF OMAHA | 216 | $96K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 104 | $1.4M |
| Other(2 contracts, 2 carriers) | MUTUAL OF OMAHA | 216 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.