| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FULCRUM RISK SOLUTIONS3 Filed as: FULCRUM RISK SOLUTIONS, INC. | 123 WESTPARK BLVD COLUMBIA, SC 29210 | COMPANION LIFE INSURANCE COMPANY | $120K | — | $120K | 37.40% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP, INC. | 1612 MARION ST COLUMBIA, SC 29201 | COMPANION LIFE INSURANCE COMPANY | $27K | — | $27K | 8.45% |
| FULCRUM RISK SOLUTIONS3 Filed as: FULCRUM RISK SOLUTIONS, INC. | 132 WESTPARK BLVD COLUMBIA, SC 29210 | SUN LIFE ASSURANCE COMPANY OF CANADA | $21K | — | $21K | 31.92% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP, INC. | 1612 MARION ST COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $9K | $12K | 18.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SOUTH CAROLINA MEDICAL ASSOCIATION EIN 57-0248750 RELATED PARTY | Employee (plan sponsor); Other services; Consulting (general); Plan Administrator Service code 14 | POST OFFICE BOX 11188 COLUMBIA, SC 29211 | $1.6M |
| FULCRUM RISK SOLUTIONS, INC. EIN 57-0983258 RELATED PARTY | Insurance brokerage commissions and fees Service code 53 | 132 WESTPARK BLVD COLUMBIA, SC 29210 | $1.0M |
| PLANNED ADMINISTRATORS, INC. EIN 57-0718839 TPA | Contract Administrator Service code 13 | POST OFFICE BOX 6927 COLUMBIA, SC 29260 | $941K |
| STRATEGIC UNDERWRITING SOLUTIONS CONSULTING | Consulting (general) Service code 16 | 2593 DEVELOPMENT DRIVE, STE 20 GREEN BAY, WI 54311 | $272K |
| AAJ COMPUTER SERVICES EIN 65-0762524 INFORMATION MANAGEMENT | Consulting (general) Service code 16 | 6301 NW 5TH WAY, SUITE 1700 FORT LAUDERDALE, FL 33309 | $220K |
| BLUE CROSS BLUE SHIELD OF SC EIN 57-0287419 TPA | Contract Administrator Service code 13 | I-20 EAST ALPINE ROAD COLUMBIA, SC 29219 | $178K |
| WINDSOR STRATEGY PARTNERS EIN 81-0912547 ACTUARY | Actuarial Service code 11 | 777 ALEXANDER ROAD, SUITE 201 PRINCETON, NJ 08540 | $141K |
| HEALTHRISK RESOURCE GROUP, LLC EIN 52-2085838 TPA | Contract Administrator Service code 13 | 505 CITY PARKWAY WEST ORANGE, CA 92868 | $110K |
| FIRST HEALTH EIN 20-1736437 TPA | Contract Administrator Service code 13 | 140 STONEBRIDGE DRIVE COLUMBIA, SC 29210 | $107K |
| NELSON MULLINS RILEY AND SCARBOROUG EIN 57-0215445 LEGAL | Legal Service code 29 | 1320 MAIN STREET 17 COLUMBIA, SC 29201 | $85K |
| JACKSON LEWIS P. C. EIN 46-3862389 LEGAL | Legal Service code 29 | 15 SOUTH MAIN STREET SUITE 700 GREENVILLE, SC 29601 | $71K |
| ELLIOTT DAVIS, LLC/PLLC EIN 57-0381582 ACCOUNTANT | Accounting (including auditing) Service code 10 | 1901 MAIN STREET, SUITE 900 COLUMBIA, SC 29201 | $67K |
| NP STRATEGY GROUP EIN 46-1855282 CONSULTING | Consulting (general) Service code 16 | 1230 MAIN STREET SUITE 700 COLUMBIA, SC 29201 | $63K |
| COPPER DOME STRATEGIES EIN 57-1111443 CONSULTING | Consulting (general) Service code 16 | 1201 MAIN STREET, 22ND FLOOR COLUMBIA, SC 29201 | $34K |
| SLANT MEDIA, LLC EIN 11-3736403 WEBSITE DEISGNER | Consulting (general) Service code 16 | PO BOX 8797 GREENVILLE, SC 29604 | $32K |
| SANTECH SOLUTION, INC. EIN 26-3630194 INFORMATION MANAGEMENT | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 116 VILLAGE BLVD PRINCETON, NJ 08540 | $22K |
| BENEFIT COORDINATORS EIN 57-0853863 ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 197 IRMO, SC 29063 | $11K |
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 | 3,659 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 44 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,703 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 2,929 | $322K |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 2,929 | $322K |
| Stop-loss / reinsurancereinsurance | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | 3,093 | $593K |
| Other(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 2,929 | $387K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,093 | — |
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.