| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT GROUP | 3700 FOREST DRIVE SUITE 300 COLUMBIA, SC 29204 | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | $27K | — | $27K | 3.76% |
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT GRP INC | 3700 FOREST DRIVE SUITE 300 COLUMBIA, SC 29204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 10.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF SC INC | 3700 FOREST DRIVE SUITE 300 COLUMBIA, SC 29204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.15% |
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT GRP INC | 3700 FOREST DRIVE SUITE 300 COLUMBIA, SC 29204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF SC INC | 3700 FOREST DRIVE SUITE 300 COLUMBIA, SC 29204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.16% |
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT GRP INC | 3700 FOREST DRIVE SUITE 300 COLUMBIA, SC 29204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 11.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF SC INC | 3700 FOREST DRIVE SUITE 300 COLUMBIA, SC 29204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF SOUTH CAROLINA INC | 3700 FOREST DRIVE SUITE 300 COLUMBIA, SC 29204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $721 | — | $721 | 5.02% |
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT GRP INC | 3700 FOREST DRIVE SUITE 300 COLUMBIA, SC 29204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $991 | — | $991 | 10.86% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF SC INC | 3700 FOREST DRIVE SUITE 300 COLUMBIA, SC 29204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $377 | — | $377 | 4.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF SOUTH CAROLIN | 3700 FOREST DRIVE SUITE 300 COLUMBIA, SC 29204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 13.79% |
No Schedule C service providers reported on this filing.
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 | 131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 131 | $725K |
| Dental | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 131 | $725K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 131 | $9K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 76 | $27K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 131 | $57K |
| Prescription drug | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 131 | $725K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 131 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.