| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KENNAN SUGGS BOWERS ELKINS, LLC3 | PO BOX 12739 COLUMBIA, SC 29211 | STANDARD INSURANCE COMPANY | $22K | — | $22K | 1.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 8087 COLUMBIA, SC 29202 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 0.72% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | ENVISION INSURANCE COMPANY | $63K | — | $63K | 7.50% |
| KEENAN SUGG BOWERS ELKINS, LLC5 Filed as: KEENAN SUGG BOWERS ELKINS | 1320 MAIN STREET COLUMBIA, SC 29250 | ENVISION INSURANCE COMPANY | $17K | — | $17K | 2.03% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $88K | — | $88K | 14.90% |
| KEENAN SUGG BOWERS ELKINS, LLC5 Filed as: KEENAN SUGG BOWERS ELKINS | 1320 MAIN STREET COLUMBIA, SC 29250 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $48K | — | $48K | 8.04% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $35K | — | $35K | 5.99% |
| HUB INTERNATIONAL MIDWEST LIMITED5 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 8087 COLUMBIA, SC 29202 | COMPANION LIFE | $15K | — | $15K | 7.87% |
| THE CASON GROUP INC5 | PO BOX 11229 COLUMBIA, SC 29211 | COMPANION LIFE | $7K | — | $7K | 3.94% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | COMPANION LIFE INSURANCE DENTAL | $8K | — | $8K | 29.64% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ONE EXCHANGE EIN 26-0775680 ADMINISTRATOR | Claims processing; Plan Administrator; Contract Administrator; Consulting (general) Service code 12 | — | $182K |
| BLUE CROSS BLUE SHIELD OF SC EIN 57-0287419 ADMINISTRATOR | Contract Administrator; Plan Administrator; Claims processing; Consulting (general) Service code 12 | — | $119K |
| AMWINS ADMINISTRATOR | Consulting (general); Plan Administrator; Claims processing; Contract Administrator Service code 12 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | $27K |
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 | 2,087 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,087 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | 405 | $592K |
| Dental(2 contracts, 2 carriers) | COMPANION LIFE | 522 | $213K |
| Life insurance | STANDARD INSURANCE COMPANY | 2,060 | $1.8M |
| Prescription drug | ENVISION INSURANCE COMPANY | 405 | $834K |
| Stop-loss / reinsurancereinsurance | ENVISION INSURANCE COMPANY | 405 | $834K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,060 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.