| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF SOUTH CAROLINA | 7515 NORTHSIDE DRIVE SUITE 150 CHARLESTON, SC 29420 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $44K | — | $44K | 2.87% |
| HIBBITS INSURANCE INC3 Filed as: HIBBITS INSURANCE, INCORPORATED | POST OFFICE BOX 2369 ORANGEBURG, SC 29116 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $22K | — | $22K | 1.40% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF SOUTH CAROLINA INC | 10 FALCON CREST DRIVE SUITE 100 GREENVILLE, SC 29607 | SUN LIFE ASSURANCE COMPANY OF CANADA | $19K | — | $19K | 10.85% |
| THE CASON GROUP INC3 | 1612 MARION STREET COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 4.91% |
| THE CASON GROUP INC3 | 1612 MARION STREET SUITE 1 COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $5K | $5K | 2.79% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF SOUTH CAROLINA INC | 10 FALCON CREST DRIVE SUITE 100 GREENVILLE, SC 29607 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 12.41% |
| THE CASON GROUP INC3 | 1612 MARION STREET SUITE 1 COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $3K | $3K | 3.82% |
| THE CASON GROUP INC3 | 1612 MARION STREET COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 3.69% |
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 | 147 | 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) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 147 | $1.5M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 178 | $173K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 178 | $173K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 178 | $80K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 178 | $80K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 178 | $80K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 147 | $1.5M |
| Other(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 178 | $253K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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.