| 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 | 0.00% |
| SCMA FINANCIAL SERVICES3 Filed as: SCMA FINANCIAL SERVICES, INC. | PO BOX 21667 COLUMBIA, SC 29221 | THE LINCOLN LIFE INSURANCE COMPANY | $59K | — | $59K | 28.59% |
| SCMA FINANCIAL SERVICES3 Filed as: SCMA FINANCIAL SERVICES, INC. | PO BOX 21667 COLUMBIA, SC 29221 | THE LINCOLN LIFE INSURANCE COMPANY | $54K | — | $54K | 30.00% |
| SCMA FINANCIAL SERVICES3 Filed as: SCMA FINANCIAL SERVICES, INC. | PO BOX 21667 COLUMBIA, SC 29221 | THE LINCOLN LIFE INSURANCE COMPANY | $15K | — | $15K | 25.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SCMA FINANCIAL SERVICES, INC. EIN 57-0983258 RELATED PARTY | Insurance brokerage commissions and fees Service code 53 | POST OFFICE BOX 11188 COLUMBIA, SC 29211 | $1.6M |
| SOUTH CAROLINA MEDICAL ASSOCIATION EIN 57-0248750 RELATED PARTY | Employee (plan sponsor); Consulting (general); Plan Administrator; Other services Service code 14 | POST OFFICE BOX 11188 COLUMBIA, SC 29211 | $1.2M |
| PLANNED ADMINISTRATORS, INC. EIN 57-0718839 TPA | Contract Administrator Service code 13 | POST OFFICE BOX 6927 COLUMBIA, SC 29260 | $926K |
| COMPASS CONSULTING, INC. EIN 59-3301472 CONSULTING | Consulting (general) Service code 16 | 4248 SOUTHPOINT BLVD, STE 400 JACKSONVILLE, FL 32216 | $349K |
| BLUE CROSS BLUE SHIELD OF SC EIN 57-0287419 TPA | Contract Administrator Service code 13 | I-20 EAST ALPINE ROAD COLUMBIA, SC 29219 | $196K |
| FIRST HEALTH EIN 20-1736437 TPA | Contract Administrator Service code 13 | 140 STONEBRIDGE DRIVE COLUMBIA, SC 29210 | $118K |
| NEXSEN PRUET EIN 57-0386425 LEGAL | Legal Service code 29 | 1231 MAIN STREET, 7TH FLOOR COLUMBIA, SC 29201 | $80K |
| ELLIOTT DAVIS, LLC/PLLC EIN 57-0381582 ACCOUNTANT | Accounting (including auditing) Service code 10 | 1901 MAIN STREET, SUITE 900 COLUMBIA, SC 29201 | $68K |
| HEALTHRISK RESOURCE GROUP, LLC EIN 52-2085838 TPA | Contract Administrator Service code 13 | 505 CITY PARKWAY WEST ORANGE, CA 92868 | $51K |
| HEALTH COOPERATIVE STRATEGIES, LLC EIN 27-4371908 CONSULTING | Consulting (general) Service code 16 | 161 KIMBALL BRIDGE ROAD, SUITE 200 ALPHARETTA, GA 30009 | $50K |
| COPPER DOME STRATEGIES EIN 57-1111443 CONSULTING | Consulting (general) Service code 16 | 1201 MAIN STREET, 22ND FLOOR COLUMBIA, SC 29201 | $17K |
| JLK ADVISORS, LLC CONSULTING | Consulting (general) Service code 16 | 7065 GLENRIDGE DRIVE ATLANTA, GA 30328 | $15K |
| DUBOSEWEB EIN 27-1311613 WEB CONSULTING | Consulting (general) Service code 16 | 1721 SAUNDERS STREET COLUMBIA, SC 29201 | $12K |
| WINDSOR STRATEGY PARTNERS EIN 81-0912547 ACTUARY | Actuarial Service code 11 | 777 ALEXANDER ROAD, SUITE 201 PRINCETON, NJ 08540 | $10K |
| HAYNSWORTH SINKLER BOYD, PA EIN 57-1111443 LEGAL | Legal Service code 29 | 1201 MAIN STREET, 22ND FLOOR COLUMBIA, SC 29201 | $7K |
| MEWA ASSOCIATION OF AMERICA CONSULTING | Other services Service code 49 | 16A JOURNEY, SUITE 150 ALISO WIEJO, CA 92656 | $5K |
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 | 3,746 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 127 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,873 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE LINCOLN LIFE INSURANCE COMPANY | 3,146 | $60K |
| Short-term disability | THE LINCOLN LIFE INSURANCE COMPANY | 1,277 | $179K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | ARCH INSURANCE COMPANY | 3,304 | $520K |
| Other(2 contracts) | THE LINCOLN LIFE INSURANCE COMPANY | 3,146 | $267K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,304 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.