| 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 | $46K | $0 | $46K | 25.44% |
| ROBERT MOBLEY3 Filed as: ROBERT BO C. MOBLEY | 7139 BROADRIVER ROAD IRMO, SC 29063 | CONTINENTAL AMERICAN INSURANCE COPANY | $38K | $0 | $38K | 21.18% |
| CATHERINE D JAMES3 Filed as: CATHERINE G. JAMES | 4531 MEADOWOOD ROAD COLUMBIA, SC 29206 | CONTINENTAL AMERICAN INSURANCE COPANY | $1K | $0 | $1K | 0.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BC/BS OF SOUTH CAROLINA EIN 57-0287419 NONE | Claims processing; Contract Administrator Service code 12 | — | $290K |
| LOCKTON EIN 20-3354970 BROKER | Consulting (general) Service code 16 | — | $165K |
| SCOTT & COMPANY EIN 57-1021392 AUDITOR | Accounting (including auditing) Service code 10 | — | $7K |
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 | 974 | 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) | 974 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA | 925 | $79K |
| Stop-loss / reinsurancereinsurance | HM INSURANCE | 988 | $553K |
| Other | CONTINENTAL AMERICAN INSURANCE COPANY | 506 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 988 | — |
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."
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.