| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST STE 1710 BOSTON, MA 02109 | METLIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.07% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $61K | — | $61K | 11.85% |
| KEENAN SUGG BOWERS ELKINS, LLC5 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $32K | — | $32K | 6.10% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $21K | — | $21K | 4.00% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | ENVISION INSURANCE COMPANY | $32K | — | $32K | 6.32% |
| KEENAN SUGG BOWERS ELKINS, LLC5 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | ENVISION INSURANCE COMPANY | $11K | — | $11K | 2.17% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | COMPANION LIFE INSURANCE DENTAL | $5K | — | $5K | 4.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 8087 COLUMBIA, SC 29202 | METLIFE INSURANCE COMPANY | $13K | — | $13K | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL BANK CHICAGO, IL 60693 | METLIFE INSURANCE COMPANY | — | $8K | $8K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF SC EIN 57-0287419 ADMIN | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Plan Administrator; Claims processing Service code 12 | — | $156K |
| WILLIS TOWERS WATSON'S ONEEXCHANGE EIN 26-0775680 ADMIN | Contract Administrator; Claims processing; Consulting (general); Plan Administrator Service code 12 | — | $116K |
| EXPRESS SCRIPTS EIN 43-1420563 ADMIN | Claims processing; Contract Administrator; Consulting (general); Plan Administrator Service code 12 | — | $10K |
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 | 2,684 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,684 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | 229 | $517K |
| Dental | COMPANION LIFE INSURANCE DENTAL | 208 | $103K |
| Life insurance(2 contracts) | METLIFE INSURANCE COMPANY | 2,651 | $2.7M |
| Prescription drug | ENVISION INSURANCE COMPANY | 229 | $508K |
| Stop-loss / reinsurancereinsurance | ENVISION INSURANCE COMPANY | 229 | $508K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,651 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.