| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON & ASSOCIATES INC. | 7139 BROAD RIVER ROAD IRMO, SC 29063 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $187K | $12K | $199K | — |
| BENEFIT TECHNOLOGY RESOURCES3 | 301 W PLATT STREET #507 TAMPA, FL 33606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | $0 | $26K | — |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON & ASSOCIATES INC. | PO BOX 211609 COLUMBIA, SC 29221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44K | $7 | $44K | — |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DR LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $7K | $10K | — |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | — |
| CALDWELL TRUST COMPANY3 | 200 PALMETTO HALL CT LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $0 | $30 | — |
| ALICE RYAN STRIBLING3 | 511 KILBOURNE ROAD COLUMBIA, SC 29205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | — |
| SUSAN P TRACY3 Filed as: SUSAN P. TRACY | 1650 BLACKGUM LANE RIDGEWAY, SC 29130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | — |
| THE ADAMSON GROUP INC3 | 344 SUMMERSET DR CHAPIN, SC 29036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | — |
| JOHN A THOMPSON JR3 | PO BOX 189 CAMDEN, SC 29021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BC/BS OF SOUTH CAROLINA EIN 57-0287419 NONE | Contract Administrator; Claims processing Service code 12 | I-20 EAST AT ALPINE ROAD COLUMBIA, SC 29219 | $310K |
| BENEFIT TECHNOLOGY RESOURCES | Insurance brokerage commissions and fees Service code 53 | — | $0 |
| GIBSON & ASSOCIATES INC | Insurance brokerage commissions and fees Service code 53 | — | $0 |
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 | 1,028 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,049 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,893 | $0 |
| Stop-loss / reinsurancereinsurance | BC/BS OF SOUTH CAROLINA - STOP LOSS COVERAGE | 1,049 | $267K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,893 | — |
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.