| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FULCRUM RISK SOLUTIONS3 Filed as: FULCRUM RISK SOLUTIONS, INC. | PO BOX 21667 COLUMBIA, SC 29221 | THE LINCOLN LIFE INSURANCE COMPANY | $34K | — | $34K | 30.00% |
| FULCRUM RISK SOLUTIONS3 Filed as: FULCRUM RISK SOLUTIONS, INC. | PO BOX 21667 COLUMBIA, SC 29221 | THE LINCOLN LIFE INSURANCE COMPANY | $29K | — | $29K | 26.53% |
| FULCRUM RISK SOLUTIONS3 Filed as: FULCRUM RISK SOLUTIONS, INC. | 132 WESTPARK BLVD COLUMBIA, SC 29210 | COMPANION LIFE INSURANCE COMPANY | $28K | — | $28K | 26.66% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP, INC. | 1612 MARION ST COLUMBIA, SC 29201 | COMPANION LIFE INSURANCE COMPANY | $8K | — | $8K | 7.67% |
| FULCRUM RISK SOLUTIONS3 Filed as: FULCRUM RISK SOLUTIONS, INC. | PO BOX 21667 COLUMBIA, SC 29221 | SUN LIFE ASSURANCE COMPANY OF CANADA | $17K | — | $17K | 31.93% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP, INC. | 1612 MARION ST COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 4.39% |
| FULCRUM RISK SOLUTIONS3 Filed as: FULCRUM RISK SOLUTIONS, INC. | PO BOX 21667 COLUMBIA, SC 29221 | THE LINCOLN LIFE INSURANCE COMPANY | $7K | — | $7K | 25.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SOUTH CAROLINA MEDICAL ASSOCIATION EIN 57-0248750 RELATED PARTY | Consulting (general); Other services; Employee (plan sponsor); Plan Administrator Service code 14 | POST OFFICE BOX 11188 COLUMBIA, SC 29211 | $1.9M |
| FULCRUM RISK SOLUTIONS, INC. EIN 57-0983258 RELATED PARTY | Insurance brokerage commissions and fees Service code 53 | 132 WESTPARK BLVD COLUMBIA, SC 29210 | $1.2M |
| PLANNED ADMINISTRATORS, INC. EIN 57-0718839 TPA | Contract Administrator Service code 13 | POST OFFICE BOX 6927 COLUMBIA, SC 29260 | $929K |
| STRATEGIC UNDERWRITING SOLUTIONS CONSULTING | Consulting (general) Service code 16 | 2593 DEVELOPMENT DRIVE, STE 200 GREEN BAY, WI 54311 | $232K |
| BLUE CROSS BLUE SHIELD OF SC EIN 57-0287419 TPA | Contract Administrator Service code 13 | I-20 EAST ALPINE ROAD COLUMBIA, SC 29219 | $187K |
| WINDSOR STRATEGY PARTNERS EIN 81-0912547 ACTUARY | Actuarial Service code 11 | 777 ALEXANDER ROAD, SUITE 201 PRINCETON, NJ 08540 | $127K |
| FIRST HEALTH EIN 20-1736437 TPA | Contract Administrator Service code 13 | 140 STONEBRIDGE DRIVE COLUMBIA, SC 29210 | $112K |
| JACKSON LEWIS P. C. LEGAL | Legal Service code 29 | 15 SOUTH MAIN STREET SUITE 700 GREENVILLE, SC 29601 | $105K |
| COPPER DOME STRATEGIES EIN 57-1111443 CONSULTING | Consulting (general) Service code 16 | 1201 MAIN STREET, 22ND FLOOR COLUMBIA, SC 29201 | $102K |
| ELLIOTT DAVIS, LLC/PLLC EIN 57-0381582 ACCOUNTANT | Accounting (including auditing) Service code 10 | 1901 MAIN STREET, SUITE 900 COLUMBIA, SC 29201 | $77K |
| HEALTHRISK RESOURCE GROUP, LLC EIN 52-2085838 TPA | Contract Administrator Service code 13 | 505 CITY PARKWAY WEST ORANGE, CA 92868 | $71K |
| COMPASS CONSULTING, INC. EIN 59-3301472 CONSULTING | Consulting (general) Service code 16 | 4248 SOUTHPOINT BLVD, STE 400 JACKSONVILLE, FL 32216 | $63K |
| SANTECH SOLUTION, INC. INFORMATION MANAGEMENT | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 116 VILLAGE BLVD PRINCETON, NJ 08540 | $53K |
| NELSON MULLINS RILEY AND SCARBOROUG LEGAL | Legal Service code 29 | 1320 MAIN STREET 17 COLUMBIA, SC 29201 | $16K |
| NP STRATEGY GROUP CONSULTING | Consulting (general) Service code 16 | 1230 MAIN STREET SUITE 700 COLUMBIA, SC 29201 | $14K |
| NEXSEN PRUET, LLC EIN 57-0386425 LEGAL | Legal Service code 29 | 1231 MAIN STREET, 7TH FLOOR COLUMBIA, SC 29201 | $10K |
| MAD MONKEY WEB SUPPLY EIN 20-1566356 WEB CONSULTING | Consulting (general) Service code 16 | 1631 MAIN STREET COLUMBIA, SC 29201 | $7K |
| HAYNSWORTH SINKLER BOYD, PA EIN 57-1111443 LEGAL | Legal Service code 29 | 1201 MAIN STREET, 22ND FLOOR COLUMBIA, SC 29201 | $7K |
| FISHER & PHILLIPS, LLP LEGAL | Legal Service code 29 | 1320 MAIN STREET SUITE 750 COLUMBIA, SC 29201 | $6K |
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 | 3,243 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 65 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 3,027 | $136K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN LIFE INSURANCE COMPANY | 2,922 | $221K |
| Stop-loss / reinsurancereinsurance | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | 2,891 | $549K |
| Other(4 contracts, 3 carriers) | THE LINCOLN LIFE INSURANCE COMPANY | 3,027 | $298K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,027 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.