| 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 | $63K | — | $63K | 12.19% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | RELIASTAR LIFE INSURANCE COMPANY | — | $16K | $16K | 3.04% |
| SCBEBT, LLC3 Filed as: SCBEBT LLC | PO BOX 533 CHAPIN, SC 29036 | DELTA DENTAL OF MISSOURI | $13K | — | $13K | 4.37% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | DELTA DENTAL OF MISSOURI | $6K | $1K | $8K | 2.69% |
| SCBEBT, LLC3 Filed as: SCBEBT LLC | PO BOX 533 CHAPIN, SC 29036 | DELTA DENTAL OF MISSOURI | $4K | — | $4K | 9.14% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | DELTA DENTAL OF MISSOURI | $1K | — | $1K | 2.28% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF SC EIN 57-0287419 NONE | Claims processing Service code 12 | — | $742K |
| RCH BENEFITS ADVISORS LLC NONE | Consulting (general) Service code 16 | PO BOX 6714 COLUMBIA, SC 292606714 | $42K |
| HUB INTERNATIONAL CAROLINAS NONE | Insurance agents and brokers Service code 22 | PO BOX 8087 COLUMBIA, SC 29202 | $37K |
| SCOTT AND COMPANY LLC EIN 57-1021392 NONE | Accounting (including auditing) Service code 10 | — | $26K |
| THE BENEFIT COMPANY INC EIN 57-0968080 NONE | Contract Administrator Service code 13 | — | $21K |
| NELSON MULLINS RILEY & SCARBOROUGH EIN 57-0215445 NONE | Legal Service code 29 | — | $19K |
| WINDSOR STRATEGY PARTNERS INC NONE | Consulting (general) Service code 16 | 777 ALEXANDER RD, STE 201 PRINCETON, NJ 08540 | $18K |
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 | 905 | 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) | 905 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 490 | $10.1M |
| Dental | DELTA DENTAL OF MISSOURI | 812 | $295K |
| Vision | DELTA DENTAL OF MISSOURI | 658 | $47K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,211 | $520K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,211 | $520K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,211 | $520K |
| Prescription drug(3 contracts) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 490 | $10.1M |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 1,211 | $520K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,211 | — |
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.