| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCBEBT, LLC3 | P.O. BOX 533 CHAPIN, SC 29036 | RELIASTAR LIFE INSURANCE COMPANY | $94K | — | $94K | 13.47% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | P.O. BOX 211486 COLUMBIA, SC 29221 | RELIASTAR LIFE INSURANCE COMPANY | — | $20K | $20K | 2.91% |
| SCBEBT, LLC3 | P.O. BOX 533 CHAPIN, SC 29036 | DELTA DENTAL OF MISSOURI | $25K | — | $25K | 4.00% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | P.O. BOX 211486 COLUMBIA, SC 29221 | DELTA DENTAL OF MISSOURI | $13K | — | $13K | 2.00% |
| SCBEBT, LLC3 | P.O. BOX 533 CHAPIN, SC 29036 | VISION SERVICE PLAN | $4K | — | $4K | 4.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF SC EIN 57-0287419 NONE | Claims processing Service code 12 | I-20 AT ALPINE ROAD COLUMBIA, SC 29219 | $797K |
| THE BENEFIT COMPANY, INC. EIN 57-0968080 NONE | Contract Administrator Service code 13 | P.O. BOX 211486 COLUMBIA, SC 29221 | $63K |
| J.W. HUNT AND COMPANY, LLP EIN 57-0138290 NONE | Accounting (including auditing) Service code 10 | P.O. BOX 265 COLUMBIA, SC 29202 | $23K |
| KEENANSUGGS INSURANCE EIN 57-1013744 NONE | Insurance agents and brokers Service code 22 | P.O. BOX 8087 COLUMBIA, SC 29202 | $19K |
| NELSON MULLINS RILEY & SCARBOROUGH EIN 57-0215445 NONE | Legal Service code 29 | 1320 MAIN STREET COLUMBIA, SC 29201 | $16K |
| TNB FINANCIAL SERVICES NONE | Accounting (including auditing) Service code 10 | 300 CAROLINE STREET LAURENS, SC 29360 | $11K |
| AON HEWITT CHARLOTTE NONE | Consulting (general) Service code 16 | 1111 METROPOLITAN AVE., SUITE 400 CHARLOTTE, NC 28204 | $5K |
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 | 1,859 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,859 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA | 1,216 | $15.6M |
| Dental | DELTA DENTAL OF MISSOURI | 1,746 | $630K |
| Vision | VISION SERVICE PLAN | 698 | $108K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,471 | $702K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,471 | $702K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,471 | $702K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 1,471 | $702K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,746 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.