| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1859 SUMMERVILLE AVENUE STE 600 NORTH CHARLESTON, SC 29405 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $45K | — | $45K | 4.29% |
| HIBBITS INSURANCE INC3 Filed as: HIBBITS INSURANCE INCORPORATED | 562 SUMMERS AVENUE ORANGEBURG, SC 29115 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $8K | — | $8K | 0.79% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $707 | $5K | 14.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 5672 COLUMBIA, SC 29205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $857 | — | $857 | 2.47% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $641 | $3K | 10.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 5672 COLUMBIA, SC 29205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $542 | — | $542 | 1.69% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $261 | $3K | 18.52% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 5672 COLUMBIA, SC 29205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $479 | — | $479 | 3.25% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $180 | $2K | 18.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 5672 COLUMBIA, SC 29205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $338 | — | $338 | 3.22% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $182 | $44 | $226 | 10.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 5672 COLUMBIA, SC 29205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $37 | — | $37 | 1.69% |
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 | 123 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 83 | $1.0M |
| Dental | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 83 | $1.0M |
| Vision | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 83 | $1.0M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 123 | $2K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 123 | $32K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 83 | $1.0M |
| Other(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 123 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.