| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FULCRUM RISK SOLUTIONS3 | 132 WESTPARK BOULEVARD COLUMBIA, SC 29210 | SUN LIFE ASSURANCE COMPANY OF CANADA | $50K | $0 | $50K | 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 | $14K | $0 | $14K | 5.00% |
| FULCRUM RISK SOLUTIONS3 | 132 WESTPARK BOULEVARD COLUMBIA, SC 29210 | SUN LIFE ASSURANCE COMPANY OF CANADA | $30K | $0 | $30K | 25.00% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | 1612 MARION STREET, SUITE 1 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 | $10K | $0 | $10K | 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 PLAN SPONSOR | Contract Administrator; Consulting (general); Employee (plan sponsor); Other services Service code 13 | 132 WESTPARK BLVD COLUMBIA, SC 29210 | $1.1M |
| FULCRUM RISK SOLUTIONS, INC. EIN 57-0983258 AFFILIATE OF PLAN SPONSOR | Insurance brokerage commissions and fees Service code 53 | 132 WESTPARK BLVD COLUMBIA, SC 29210 | $913K |
| PLANNED ADMINISTRATORS, INC. EIN 57-0718839 TPA | Contract Administrator Service code 13 | POST OFFICE BOX 6927 COLUMBIA, SC 29260 | $829K |
| STRATEGIC UNDERWRITING SOLUTIONS CONSULTING | Consulting (general) Service code 16 | 2593 DEVELOPMENT DRIVE, STE 20 GREEN BAY, WI 54311 | $205K |
| BLUE CROSS BLUE SHIELD OF SC EIN 57-0287419 TPA | Contract Administrator Service code 13 | I-20 EAST ALPINE ROAD COLUMBIA, SC 29219 | $185K |
| AAJ COMPUTER SERVICES EIN 65-0762524 INFORMATION MANAGEMENT | Consulting (general) Service code 16 | 6301 NW 5TH WAY, SUITE 1700 FORT LAUDERDALE, FL 33309 | $155K |
| WINDSOR STRATEGY PARTNERS EIN 81-0912547 ACTUARY | Actuarial Service code 11 | 777 ALEXANDER ROAD, SUITE 201 PRINCETON, NJ 08540 | $103K |
| FIRST HEALTH EIN 20-1736437 TPA | Contract Administrator Service code 13 | 140 STONEBRIDGE DRIVE COLUMBIA, SC 29210 | $89K |
| ELLIOTT DAVIS, LLC/PLLC EIN 57-0381582 ACCOUNTANT | Accounting (including auditing) Service code 10 | 2151 PICKENS ST, SUITE 200 COLUMBIA, SC 29201 | $75K |
| OCCUNET EIN 27-1563468 TPA | Contract Administrator Service code 13 | 1800 S. WASHINGTON STREET, STE. 300 AMARILLO, TX 79102 | $65K |
| SUN LIFE ASSURANCE CO OF CANADA EIN 38-1082080 ADMINISTRATOR | Claims processing Service code 12 | 2323 GRAND BOULEVARD KANSAS CITY, MO 641082670 | $40K |
| NELSON MULLINS RILEY AND SCARBOROUG LEGAL | Legal Service code 29 | 1320 MAIN STREET 17 COLUMBIA, SC 29201 | $40K |
| BENEFIT COORDINATORS EIN 57-0853863 ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 197 IRMO, SC 29063 | $28K |
| MUHA CENTER FOR TELEHEALTH ADMINISTRATOR | Contract Administrator Service code 13 | 2435 FOREST DRIVE COLUMBIA, SC 29204 | $12K |
| PROGRESS SOFTWARE CORPORATION EIN 04-2746201 INFORMATION MANAGEMENT | Consulting (general) Service code 16 | 15 WAYSIDE ROAD, SUITE 400 BURLINGTON, MA 01806 | $9K |
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 | 2,572 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,587 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,379 | $53K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,964 | $277K |
| Stop-loss / reinsurancereinsurance | BCS INSURANCE COMPANY | 4,428 | $484K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 249 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,428 | — |
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.