| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $32K | — | $32K | 2.11% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | COMPANION LIFE INSURANCE COMPANY | $12K | — | $12K | 11.82% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF SOUTH CAROLINA | 1304 GERVAIS ST. SUITE 900 COLUMBIA, SC 29201 | COMPANION LIFE INSURANCE COMPANY | $6K | — | $6K | 5.91% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $8K | — | $8K | 10.00% |
| PLEASE SEE ATTACHED LIST3 | 1929 YORK DRIVE COLUMBIA, SC 29204 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 13.38% |
| PLEASE SEE ATTACHED LIST3 | PO BOX 2207 MYRTLE BEACH, SC 29578 | AFLAC | $4K | — | $4K | 25.75% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | MYIDEALDOCTOR/RELYMD | $3K | — | $3K | 30.00% |
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 | 187 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 135 | $1.5M |
| Dental | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 147 | $81K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 187 | $99K |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 187 | $99K |
| Long-term disability | COMPANION LIFE INSURANCE COMPANY | 187 | $99K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 135 | $1.5M |
| Other(4 contracts, 4 carriers) | COMPANION LIFE INSURANCE COMPANY | 189 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.