| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGTOWN, RI 02852 | STERLING LIFE- MED D RX PRESCRIPTION DRUG PLAN | $103K | — | $103K | 5.21% |
| KEENAN SUGG BOWERS ELKINS, LLC5 Filed as: KEENAN SUGG BOWERS ELKINS | 1320 MAIN STREET COLUMBIA, SC 29250 | STERLING LIFE- MED D RX PRESCRIPTION DRUG PLAN | $51K | — | $51K | 2.59% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $282K | — | $282K | 15.20% |
| KEENAN SUGG BOWERS ELKINS, LLC5 Filed as: KEENAN SUGG BOWERS ELKINS | 1320 MAIN STREET COLUMBIA, SC 29250 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $120K | — | $120K | 6.47% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $41K | — | $41K | 2.18% |
| HUB INTERNATIONAL MIDWEST LIMITED5 Filed as: KEENAN SUGGS BOWERS ELKINS | 1330 LADY STREET COLUMBIA, SC 29201 | COMPANION LIFE | $16K | — | $16K | 6.77% |
| THE CASON GROUP INC5 | PO BOX 11229 COLUMBIA, SC 29211 | COMPANION LIFE | $8K | — | $8K | 3.39% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF SC EIN 57-0287419 ADMINISTRATOR | Claims processing; Consulting (general); Contract Administrator; Plan Administrator Service code 12 | — | $141K |
| ONE EXCHANGE EIN 26-0775680 ADMINISTRATOR | Consulting (general); Contract Administrator; Claims processing; Plan Administrator Service code 12 | — | $25K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,000 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,000 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | 1,532 | $1.9M |
| Life insurance | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,000 | $1.7M |
| Prescription drug | STERLING LIFE- MED D RX PRESCRIPTION DRUG PLAN | 1,532 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,000 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.