| 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 | $48K | — | $48K | 2.53% |
| HIBBITS INSURANCE INC3 Filed as: HIBBITS INSURANCE, INCORPORATED | POST OFFICE BOX 2369 ORANGEBURG, SC 29116 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $24K | — | $24K | 1.26% |
| 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 | $21K | — | $21K | 11.10% |
| THE CASON GROUP INC3 | 1612 MARION STREET COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $9K | $9K | 4.98% |
| 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 | 8.36% |
| THE CASON GROUP INC3 | 1612 MARION STREET COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $3K | $3K | 2.79% |
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 | 167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 173 | $1.9M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 183 | $185K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 183 | $185K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 209 | $119K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 209 | $119K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 209 | $119K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 173 | $1.9M |
| Other(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 209 | $305K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.