| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCBEBT, LLC3 Filed as: SCBEBT LLC | PO BOX 533 CHAPIN, SC 29036 | RELIASTAR LIFE INSURANCE COMPANY | $60K | — | $60K | 12.37% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | RELIASTAR LIFE INSURANCE COMPANY | — | $15K | $15K | 3.00% |
| SCBEBT, LLC3 Filed as: SCBEBT LLC | PO BOX 533 CHAPIN, SC 29036 | DELTA DENTAL OF MISSOURI | $12K | — | $12K | 3.64% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | DELTA DENTAL OF MISSOURI | $6K | — | $6K | 1.82% |
| SCBEBT, LLC3 Filed as: SCBEBT LLC | PO BOX 533 CHAPIN, SC 29036 | DELTA DENTAL OF MISSOURI | $5K | — | $5K | 7.26% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | DELTA DENTAL OF MISSOURI | $1K | — | $1K | 1.82% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF SC EIN 57-0287419 NONE | Claims processing Service code 12 | — | $751K |
| HUB INTERNATIONAL CAROLINAS NONE | Insurance agents and brokers Service code 22 | PO BOX 8087 COLUMBIA, SC 29202 | $37K |
| THE BENEFIT COMPANY INC EIN 57-0968080 NONE | Contract Administrator Service code 13 | — | $32K |
| J.W. HUNT AND COMPANY LLP EIN 57-0138290 NONE | Accounting (including auditing) Service code 10 | — | $23K |
| NELSON MULLINS RILEY & SCARBOROUGH EIN 57-0215445 NONE | Legal Service code 29 | — | $10K |
| RCH BENEFITS ADVISORS LLC NONE | Consulting (general) Service code 16 | PO BOX 6714 COLUMBIA, SC 292606714 | $8K |
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 | 1,443 | 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) | 1,443 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 797 | $13.3M |
| Dental | DELTA DENTAL OF MISSOURI | 870 | $323K |
| Vision | DELTA DENTAL OF MISSOURI | 845 | $66K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,244 | $486K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,244 | $486K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,244 | $486K |
| Prescription drug(3 contracts) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 797 | $13.3M |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 1,244 | $486K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,244 | — |
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 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.