| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FULCRUM RISK SOLUTIONS3 | 132 WESTPARK BOULEVARD COLUMBIA, SC 29210 | SUN LIFE ASSURANCE COMPANY OF CANADA | $56K | $0 | $56K | 18.00% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | 1612 MARION STREET, SUITE 1 COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $16K | $0 | $16K | 5.00% |
| FULCRUM RISK SOLUTIONS3 | PO BOX 21667 COLUMBIA, SC 29210 | SUN LIFE ASSURANCE COMPANY OF CANADA | $31K | $0 | $31K | 25.00% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | 1612 MARION STREET COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $0 | $6K | 5.00% |
| FULCRUM RISK SOLUTIONS3 | 132 WESTPARK BOULEVARD COLUMBIA, SC 29210 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | $0 | $11K | 18.00% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | 1612 MARION STREET, SUITE 1 COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SOUTH CAROLINA MEDICAL ASSOCIATION EIN 57-0248750 RELATED PARTY | Consulting (general); Other services; Contract Administrator; Employee (plan sponsor) Service code 13 | POST OFFICE BOX 11188 COLUMBIA, SC 29211 | $1.0M |
| FULCRUM RISK SOLUTIONS, INC. EIN 57-0983258 RELATED PARTY | Insurance brokerage commissions and fees Service code 53 | 132 WESTPARK BLVD COLUMBIA, SC 29210 | $917K |
| PLANNED ADMINISTRATORS, INC. EIN 57-0718839 TPA | Contract Administrator Service code 13 | POST OFFICE BOX 6927 COLUMBIA, SC 29260 | $817K |
| STRATEGIC UNDERWRITING SOLUTIONS CONSULTING | Consulting (general) Service code 16 | 2593 DEVELOPMENT DRIVE, STE 20 GREEN BAY, WI 54311 | $239K |
| BLUE CROSS BLUE SHIELD OF SC EIN 57-0287419 TPA | Contract Administrator Service code 13 | I-20 EAST ALPINE ROAD COLUMBIA, SC 29219 | $199K |
| AAJ COMPUTER SERVICES EIN 65-0762524 INFORMATION MANAGEMENT | Consulting (general) Service code 16 | 6301 NW 5TH WAY, SUITE 1700 FORT LAUDERDALE, FL 33309 | $165K |
| WINDSOR STRATEGY PARTNERS EIN 81-0912547 ACTUARY | Actuarial Service code 11 | 777 ALEXANDER ROAD, SUITE 201 PRINCETON, NJ 08540 | $111K |
| FIRST HEALTH EIN 20-1736437 TPA | Contract Administrator Service code 13 | 140 STONEBRIDGE DRIVE COLUMBIA, SC 29210 | $96K |
| ELLIOTT DAVIS, LLC/PLLC EIN 57-0381582 ACCOUNTANT | Accounting (including auditing) Service code 10 | 1901 MAIN STREET, SUITE 900 COLUMBIA, SC 29201 | $96K |
| NELSON MULLINS RILEY AND SCARBOROUG LEGAL | Legal Service code 29 | 1320 MAIN STREET 17 COLUMBIA, SC 29201 | $63K |
| NP STRATEGY GROUP CONSULTING | Consulting (general) Service code 16 | 1230 MAIN STREET SUITE 700 COLUMBIA, SC 29201 | $30K |
| BENEFIT COORDINATORS EIN 57-0853863 ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 197 IRMO, SC 29063 | $27K |
| SUN LIFE ASSURANCE CO OF CANADA EIN 38-1082080 ADMINISTRATOR | Claims processing Service code 12 | 2323 GRAND BOULEVARD KANSAS CITY, MO 641082670 | $19K |
| MUHA CENTER FOR TELEHEALTH ADMINISTRATOR | Contract Administrator Service code 13 | 2435 FOREST DRIVE COLUMBIA, SC 29204 | $16K |
| JACKSON LEWIS P. C. LEGAL | Legal Service code 29 | 15 SOUTH MAIN STREET SUITE 700 GREENVILLE, SC 29601 | $14K |
| HEALTHRISK RESOURCE GROUP, LLC EIN 52-2085838 TPA | Contract Administrator Service code 13 | 505 CITY PARKWAY WEST ORANGE, CA 92868 | $7K |
| OCCUNET EIN 27-1563468 TPA | Contract Administrator Service code 13 | 1800 S. WASHINGTON STREET, STE. 300 AMARILLO, TX 79102 | $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 | 2,344 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,460 | $61K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,017 | $310K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,894 | $545K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 276 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,894 | — |
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.