| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 8087 COLUMBIA, SC 29202 | STANDARD INSURANCE COMPANY | $68K | — | $68K | 2.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 1065 AVE OF THE AMERICAS NEW YORK, NY 10018 | STANDARD INSURANCE COMPANY | $14K | — | $14K | 0.42% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | ENVISION INSURANCE COMPANY | $43K | — | $43K | 6.23% |
| KEENAN SUGG BOWERS ELKINS, LLC5 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | ENVISION INSURANCE COMPANY | $14K | — | $14K | 2.01% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $71K | — | $71K | 15.42% |
| KEENAN SUGG BOWERS ELKINS, LLC5 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $38K | — | $38K | 8.22% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $27K | — | $27K | 5.95% |
| HUB INTERNATIONAL MIDWEST LIMITED5 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 8087 COLUMBIA, SC 29202 | COMPANION LIFE | $13K | — | $13K | 6.42% |
| THE CASON GROUP INC5 | PO BOX 11229 COLUMBIA, SC 29211 | COMPANION LIFE | $6K | — | $6K | 3.21% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | COMPANION LIFE INSURANCE DENTAL | $7K | — | $7K | 30.58% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF SC EIN 57-0287419 ADMINISTRATOR | Contract Administrator; Plan Administrator; Consulting (general); Claims processing Service code 12 | — | $136K |
| ONE EXCHANGE EIN 26-0775680 ADMINISTRATOR | Contract Administrator; Claims processing; Plan Administrator; Consulting (general) Service code 12 | — | $101K |
| AMWINS ADMINISTRATOR | Contract Administrator; Plan Administrator; Claims processing; Consulting (general) Service code 12 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | $20K |
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 | 2,518 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,518 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | 307 | $459K |
| Dental(2 contracts, 2 carriers) | COMPANION LIFE | 504 | $218K |
| Life insurance | STANDARD INSURANCE COMPANY | 2,426 | $3.2M |
| Prescription drug | ENVISION INSURANCE COMPANY | 306 | $692K |
| Stop-loss / reinsurancereinsurance | ENVISION INSURANCE COMPANY | 306 | $692K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,426 | — |
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.