| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON & ASSOCIATES | 7139 BROAD RIVER ROAD IRMO, SC 29063 | CONTINENTAL AMERICAN INSURANCE COPANY | $109K | $0 | $109K | 65.39% |
| ROBERT MOBLEY3 Filed as: ROBERT BO C MOBLEY | 7139 BROADRIVER ROAD IRMO, SC 29063 | CONTINENTAL AMERICAN INSURANCE COPANY | $6K | $0 | $6K | 3.37% |
| CATHERINE D JAMES3 Filed as: CATHERINE G JAMES | 4531 MEADOWOOD ROAD COLUMBIA, SC 29206 | CONTINENTAL AMERICAN INSURANCE COPANY | $1K | $0 | $1K | 0.72% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LOCKTON EIN 20-3354970 BROKER | Consulting (general) Service code 16 | — | $165K |
| BC/BS OF SOUTH CAROLINA EIN 57-0287419 NONE | Claims processing; Contract Administrator Service code 12 | — | $153K |
| SCOTT & COMPANY EIN 57-1021392 AUDITOR | Accounting (including auditing) Service code 10 | — | $12K |
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 | 1,016 | 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) | 1,016 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA | 936 | $80K |
| Stop-loss / reinsurancereinsurance | HM INSURANCE GROUP | 1,016 | $557K |
| Other | CONTINENTAL AMERICAN INSURANCE COPANY | 509 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,016 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.