| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PLANNED ADMINISTRATORS, INC.3 | 17 TECHNOLOGY CIRCLE, SUITE E2AG COLUMBIA, SC 29203 | ARCH INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| SCMA FINANCIAL SERVICES3 Filed as: SCMA FINANCIAL SERVICES, INC. | PO BOX 21667 COLUMBIA, SC 29221 | THE LINCOLN LIFE INSURANCE COMPANY | $73K | $10K | $83K | 34.11% |
| SCMA FINANCIAL SERVICES3 Filed as: SCMA FINANCIAL SERVICES, INC. | PO BOX 21667 COLUMBIA, SC 29221 | THE LINCOLN LIFE INSURANCE COMPANY | $58K | $8K | $66K | 30.38% |
| SCMA FINANCIAL SERVICES3 Filed as: SCMA FINANCIAL SERVICES, INC. | 132 WESTPARK BLVD COLUMBIA, SC 29210 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | — | $14K | 25.00% |
| SCMA FINANCIAL SERVICES3 Filed as: SCMA FINANCIAL SERVICES, INC. | 132 WESTPARK BLVD COLUMBIA, SC 29210 | MUTUAL OF OMAHA INSURANCE COMPANY | $12K | — | $12K | 25.00% |
| SCMA FINANCIAL SERVICES3 Filed as: SCMA FINANCIAL SERVICES, INC. | 132 WESTPARK BLVD COLUMBIA, SC 29210 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 25.00% |
| SCMA FINANCIAL SERVICES3 Filed as: SCMA FINANCIAL SERVICES, INC. | PO BOX 21667 COLUMBIA, SC 29221 | THE LINCOLN LIFE INSURANCE COMPANY | $10K | $2K | $11K | 29.56% |
| SCMA FINANCIAL SERVICES3 Filed as: SCMA FINANCIAL SERVICES, INC. | 132 WESTPARK BLVD COLUMBIA, SC 29210 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 25.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXPRESS SCRIPTS, INC EIN 43-1420563 TPA | Contract Administrator Service code 13 | 21653 NETWORK PLACE CHICAGO, IL 60673 | $5.8M |
| PLANNED ADMINISTRATORS, INC. EIN 57-0718839 TPA | Contract Administrator Service code 13 | POST OFFICE BOX 6927 COLUMBIA, SC 29260 | $398K |
| COMPASS CONSULTING, INC. EIN 59-3301472 CONSULTING | Consulting (general) Service code 16 | 4348 SOUTHPOINT BLVD, STE 400 JACKSONVILLE, FL 32216 | $345K |
| TODD ATWATER EIN 91-1839164 EMPLOYEE | Employee (plan) Service code 30 | POST OFFICE BOX 11188 COLUMBIA, SC 29201 | $172K |
| STEWART SAMPLES EIN 91-1839164 EMPLOYEE | Employee (plan) Service code 30 | POST OFFICE BOX 11188 COLUMBIA, SC 29211 | $169K |
| SOUTH CAROLINA MEDICAL ASSOCIATION EIN 57-0248750 RELATED PARTY | Consulting (general) Service code 16 | POST OFFICE BOX 11188 COLUMBIA, SC 29211 | $94K |
| BRENDA JENNINGS EIN 91-1839164 EMPLOYEE | Employee (plan) Service code 30 | POST OFFICE BOX 11188 COLUMBIA, SC 29211 | $78K |
| LINDA NELSON EIN 91-1839164 EMPLOYEE | Employee (plan) Service code 30 | POST OFFICE BOX 11188 COLUMBIA, SC 29211 | $65K |
| APRIL FOLGER EIN 91-1839164 EMPLOYEE | Employee (plan) Service code 30 | POST OFFICE BOX 11188 COLUMBIA, SC 29211 | $55K |
| ELLIOTT DAVIS DECOSIMO, LLC/PLLC EIN 57-0381582 ACCOUNTANT | Accounting (including auditing) Service code 10 | 1901 MAIN STREET, SUITE 900 COLUMBIA, SC 29201 | $37K |
| SANTECH SOLUTIONS, INC. EIN 26-3630194 SOFTWARE CONSULTING | Consulting (general) Service code 16 | 33 WOOD AVE SOUTH, STE 600 ISELIN, NJ 08830 | $17K |
| PROSPECTIVE RISK MANAGEMENT CORP EIN 20-4770398 CONSULTING | Consulting (general) Service code 16 | 4348 SOUTHPOINT BLVD SUITE 201 JACKSONVILLE, FL 32216 | $7K |
| BLUE CROSS BLUE SHIELD OF SC EIN 57-0287419 TPA | Contract Administrator Service code 13 | I-20 EAST ALPINE ROAD COLUMBIA, SC 29219 | $0 |
| FIRST HEALTH EIN 20-1736437 TPA | Contract Administrator Service code 13 | 140 STONEBRIDGE DRIVE COLUMBIA, SC 29210 | $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 | 3,679 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 122 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,801 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN LIFE INSURANCE COMPANY | 3,005 | $46K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN LIFE INSURANCE COMPANY | 1,311 | $298K |
| Stop-loss / reinsurancereinsurance | ARCH INSURANCE COMPANY | 3,155 | $424K |
| Other(4 contracts, 2 carriers) | THE LINCOLN LIFE INSURANCE COMPANY | 3,005 | $306K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,155 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.