| 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 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $22K | $0 | $22K | 2.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF SC INC | 7515 NORTHSIDE DRIVE NORTH CHARLESTON, SC 29420 | SUN LIFE ASSURANCE COMPANY OF CANADA | $27K | $0 | $27K | 18.95% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | 1612 MARION STREET STE 1 COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $0 | $7K | 4.63% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF SOUTH CAROLINA | 3700 FOREST DRIVE SUITE 300 COLUMBIA, SC 29204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $911 | $0 | $911 | 1.45% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF SC INC | 3700 FOREST DR STE 300 SUITE 300 COLUMBIA, SC 29204 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $0 | $6K | 12.05% |
| THE CASON GROUP INC3 | 1612 MARION ST COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $2K | $2K | 5.02% |
| 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 | $764 | $0 | $764 | 5.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF SOUTH CAROLINA | 3700 FOREST DRIVE SUITE 300 COLUMBIA, SC 29204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $304 | $0 | $304 | 13.71% |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 90 | $770K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 75 | $50K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 142 | $143K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 142 | $143K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 142 | $143K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 90 | $770K |
| Other(4 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 142 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.