| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FULCRUM RISK SOLUTIONS3 | 132 WESTPARK BOULEVARD COLUMBIA, SC 29210 | SUN LIFE ASSURANCE COMPANY OF CANADA | $49K | — | $49K | 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 | — | $14K | 5.00% |
| FULCRUM RISK SOLUTIONS3 | 132 WESTPARK BOULEVARD COLUMBIA, SC 29210 | SUN LIFE ASSURANCE COMPANY OF CANADA | $31K | — | $31K | 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 | — | $6K | 5.00% |
| FULCRUM RISK SOLUTIONS3 | 132 WESTPARK BOULEVARD COLUMBIA, SC 29210 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 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 | — | $3K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX INC. EIN 33-0441200 PHARMACY BENEFIT MANAGER | Direct payment from the plan; Other fees; Float revenue; Claims processing Service code 12 | 1 OPTUM CIRCLE EDEN PRAIRIE, MN 55344 | $9.3M |
| SOUTH CAROLINA MEDICAL ASSOCIATION EIN 57-0248750 PLAN SPONSOR | Consulting (general); Contract Administrator; 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 | $848K |
| PLANNED ADMINISTRATORS, INC. EIN 57-0718839 TPA | Contract Administrator Service code 13 | POST OFFICE BOX 6927 COLUMBIA, SC 29260 | $775K |
| BLUE CROSS BLUE SHIELD OF SC EIN 57-0287419 TPA | Contract Administrator Service code 13 | I-20 EAST ALPINE ROAD COLUMBIA, SC 29219 | $206K |
| AMWINS GROUP INC EIN 13-4009411 CONSULTING | Consulting (general) Service code 16 | 4725 PIEDMONT ROW DRIVE CHARLOTTE, NC 28210 | $206K |
| AAJ COMPUTER SERVICES EIN 65-0762524 INFORMATION MANAGEMENT | Consulting (general) Service code 16 | 6301 NW 5TH WAY, SUITE 1700 FORT LAUDERDALE, FL 33309 | $155K |
| ELLIOTT DAVIS, LLC/PLLC EIN 57-0381582 ACCOUNTANT | Accounting (including auditing) Service code 10 | 2151 PICKENS ST, SUITE 200 COLUMBIA, SC 29201 | $101K |
| FIRST HEALTH EIN 20-1736437 TPA | Contract Administrator Service code 13 | 140 STONEBRIDGE DRIVE COLUMBIA, SC 29210 | $86K |
| SUN LIFE ASSURANCE CO OF CANADA EIN 38-1082080 ADMINISTRATOR | Claims processing Service code 12 | 2323 GRAND BOULEVARD KANSAS CITY, MO 641082670 | $76K |
| WINDSOR STRATEGY PARTNERS EIN 81-0912547 ACTUARY | Actuarial Service code 11 | 777 ALEXANDER ROAD, SUITE 201 PRINCETON, NJ 08540 | $46K |
| NELSON MULLINS RILEY AND SCARBOROUG EIN 57-0215445 LEGAL | Legal Service code 29 | 1320 MAIN STREET 17 COLUMBIA, SC 29201 | $42K |
| BENEFIT COORDINATORS EIN 57-0853863 ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 197 IRMO, SC 29063 | $41K |
| MUHA CENTER FOR TELEHEALTH ADMINISTRATOR | Contract Administrator Service code 13 | 2435 FOREST DRIVE COLUMBIA, SC 29204 | $13K |
| GRADIENT AI CORP EIN 83-1032918 INFORMATION MANAGEMENT | Consulting (general) Service code 16 | ONE MARINA PARK DR, STE 305 BOSTON, MA 02210 | $11K |
| PROGRESS SOFTWARE CORPORATION EIN 04-2746201 INFORMATION MANAGEMENT | Consulting (general) Service code 16 | 15 WAYSIDE ROAD, SUITE 400 BURLINGTON, MA 01806 | $7K |
| JACKSON LEWIS, P.C. EIN 46-3862389 LEGAL | Legal Service code 29 | 15 SOUTH MAIN STREET, SUITE 700 GREENVILLE, SC 29601 | $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 | 2,413 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,426 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,379 | $52K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,964 | $272K |
| Stop-loss / reinsurancereinsurance | BCS INSURANCE COMPANY | 4,200 | $590K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 249 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,200 | — |
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.