| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FULCRUM RISK SOLUTIONS3 | 132 WESTPARK BOULEVARD COLUMBIA, SC 29210 | HARTFORD LIFE AND ACCIDENT | $72K | $27K | $99K | 25.34% |
| FULCRUM RISK SOLUTIONS3 | 132 WESTPARK BOULEVARD COLUMBIA, SC 29210 | COMMUNITY EYE CARE | $5K | — | $5K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXPRESS SCRIPTS, INC. EIN 43-1420563 PHARMACY BENEFIT MANAGER | Direct payment from the plan; Claims processing; Float revenue; Other fees Service code 12 | 1 EXPRESS WAY ST. LOUIS, MO 63121 | $8.5M |
| OPTUM RX INC. EIN 33-0441200 PHARMACY BENEFIT MANAGER | Direct payment from the plan; Float revenue; Claims processing; Other fees Service code 12 | 1 OPTUM CIRCLE EDEN PRAIRIE, MN 55344 | $5.7M |
| SOUTH CAROLINA MEDICAL ASSOCIATION EIN 57-0248750 PLAN SPONSOR | Other services; Consulting (general); Employee (plan sponsor); Contract Administrator Service code 13 | 132 WESTPARK BLVD COLUMBIA, SC 29210 | $1.2M |
| BLUE CROSS BLUE SHIELD OF SC EIN 57-0287419 TPA | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator Service code 12 | I-20 EAST ALPINE ROAD COLUMBIA, SC 29219 | $774K |
| 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 | $767K |
| PLANNED ADMINISTRATORS, INC. EIN 57-0718839 TPA | Contract Administrator Service code 13 | POST OFFICE BOX 6927 COLUMBIA, SC 29260 | $368K |
| AAJ COMPUTER SERVICES EIN 65-0762524 INFORMATION MANAGEMENT | Consulting (general) Service code 16 | 6301 NW 5TH WAY, SUITE 1700 FORT LAUDERDALE, FL 33309 | $173K |
| AMWINS GROUP INC EIN 13-4009411 CONSULTING | Consulting (general) Service code 16 | 4725 PIEDMONT ROW DRIVE CHARLOTTE, NC 28210 | $163K |
| ELLIOTT DAVIS, LLC/PLLC EIN 57-0381582 ACCOUNTANT | Accounting (including auditing) Service code 10 | 2151 PICKENS ST, SUITE 200 COLUMBIA, SC 29201 | $98K |
| NELSON MULLINS RILEY AND SCARBOROUG EIN 57-0215445 LEGAL | Legal Service code 29 | 1320 MAIN STREET 17 COLUMBIA, SC 29201 | $69K |
| SUN LIFE ASSURANCE CO OF CANADA EIN 38-1082080 ADMINISTRATOR | Claims processing Service code 12 | 2323 GRAND BOULEVARD KANSAS CITY, MO 641082670 | $58K |
| RUDD AND WISDOM INC. EIN 74-1896655 ACTUARY | Actuarial Service code 11 | 500 ARBORETUM BLVD., SUITE 200 AUSTIN, TX 78759 | $57K |
| FIRST HEALTH EIN 20-1736437 TPA | Contract Administrator Service code 13 | 140 STONEBRIDGE DRIVE COLUMBIA, SC 29210 | $42K |
| BENEFIT COORDINATORS EIN 57-0853863 ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 197 IRMO, SC 29063 | $25K |
| GRADIENT AI CORP EIN 83-1032918 INFORMATION MANAGEMENT | Consulting (general) Service code 16 | ONE MARINA PARK DR, STE 305 BOSTON, MA 02210 | $11K |
| JACKSON LEWIS, P.C. EIN 46-3862389 LEGAL | Legal Service code 29 | 15 SOUTH MAIN STREET, SUITE 700 GREENVILLE, SC 29601 | $10K |
| MUHA CENTER FOR TELEHEALTH ADMINISTRATOR | Contract Administrator Service code 13 | 2435 FOREST DRIVE COLUMBIA, SC 29204 | $10K |
| PROGRESS SOFTWARE CORPORATION EIN 04-2746201 INFORMATION MANAGEMENT | Consulting (general) Service code 16 | 15 WAYSIDE ROAD, SUITE 400 BURLINGTON, MA 01806 | $7K |
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 | 2,189 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | COMMUNITY EYE CARE | 554 | $48K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,291 | $392K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 2,291 | $392K |
| Stop-loss / reinsurancereinsurance | BCS INSURANCE COMPANY | 3,992 | $690K |
| Other | HARTFORD LIFE AND ACCIDENT | 2,291 | $392K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,992 | — |
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.