| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIBSON & ASSOCIATES INCORPORATED3 Filed as: GIBSON & ASSOCIATES, INCORPORATED | 7139 BROAD RIVER ROAD IRMO, SC 29063 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $2K | — | $2K | 0.14% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON & ASSOCIATES, INC. | 7139 BROAD RIVER ROAD IRMO, SC 29063 | SUN LIFE ASSURANCE COMPANY OF CANADA | $19K | — | $19K | 6.15% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | PO BOX 17975 GREENVILLE, SC 29606 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | — | $12K | 3.86% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 3.07% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 5.83% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON AND ASSOCIATES | 7139 BROAD RIVER ROAD IRMO, SC 29063 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $780 | — | $780 | 3.15% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SVCS INC | PO BOX 896620 CHARLOTTE, NC 28217 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $715 | — | $715 | 2.89% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $522 | — | $522 | 2.11% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SVCS INC | PO BOX 896620 CHARLOTTE, NC 28217 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $425 | — | $425 | 1.72% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON AND ASSOCIATES | 7139 BROAD RIVER ROAD IRMO, SC 29063 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $154 | — | $154 | 0.62% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29229 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON & ASSOCIATES, INC. | — | PHYSICIANS EYECARE PLAN | $869 | — | $869 | 5.56% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORP | — | PHYSICIANS EYECARE PLAN | $693 | — | $693 | 4.44% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SVCS INC | PO BOX 896620 CHARLOTTE, NC 28217 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $131 | — | $131 | 10.23% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $131 | — | $131 | 10.23% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $43 | — | $43 | 3.36% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | — | $26 | 2.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | — | $22 | 1.72% |
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 | 149 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 153 | 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 |
| Vision | PHYSICIANS EYECARE PLAN | 108 | $16K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2 | $308K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2 | $308K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2 | $308K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 135 | $1.5M |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 48 | $334K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.