| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT GROUP INC | 3700 FOREST DRIVE #300 COLUMBIA, SC 29204 | DELTA DENTAL OF MISSOURI | $6K | — | $6K | 5.52% |
| CWI BENEFITS, INC.3 Filed as: CWI BENEFITS, INC | PO BOX 6125 GREENVILLE, SC 29606 | DELTA DENTAL OF MISSOURI | $4K | — | $4K | 3.68% |
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT GROUP INC | 3700 FOREST DRIVE SUITE 300 COLUMBIA, SC 29204 | COMPANION LIFE INSURANCE COMPANY | $6K | $15 | $6K | 7.00% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF SOUTH CAROLINA | I 20 AT ALPINE ROAD COLUMBIA, SC 29219 | COMPANION LIFE INSURANCE COMPANY | $4K | — | $4K | 5.30% |
| CWIBENEFITS INC3 | 80 INTERNATIONAL DRIVE SUITE 500 GREENVILLE, SC 29615 | COMPANION LIFE INSURANCE COMPANY | $4K | — | $4K | 4.65% |
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT GROUP | 3700 FOREST DRIVE SUITE 300 COLUMBIA, SC 29204 | NATIONAL GUARDIAN LIFE | $2K | — | $2K | 12.00% |
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT GROUP INC | 3700 FOREST DRIVE SUITE 300 COLUMBIA, SC 29204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 12.68% |
| CWIBENEFITS INC3 | PO BOX 6125 GREENVILLE, SC 29606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 7.87% |
| CWI BENEFITS, INC.3 Filed as: CWI BENEFITS INC | PO BOX 6125 GREENVILLE, SC 29606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $118 | — | $118 | 0.89% |
| SOUTHEAST INSURANCE GROUP INC3 Filed as: SOUTHEAST INSURANCE GROUP | 2340 HARD SCRABBLE ROAD COLUMBIA, SC 29223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SVCSLLC | P.O. BOX 141916 CORAL GABLES, FL 33114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| JAMES RAMAGE3 Filed as: JAMES C RAMAGE | 6151 LAKE OSPREY DRIVE 3RD FLOOR SARASOTA, FL 34240 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT GROUP INC | 3700 FOREST DRIVE SUITE 300 COLUMBIA, SC 29204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $991 | $132 | $1K | 22.18% |
No Schedule C service providers reported on this filing.
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 | 240 | 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) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 311 | $106K |
| Vision | NATIONAL GUARDIAN LIFE | 133 | $20K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 240 | $81K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 51 | $5K |
| Long-term disability | COMPANION LIFE INSURANCE COMPANY | 240 | $81K |
| Stop-loss / reinsurancereinsurance | CIGNA | 179 | $154K |
| Other(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 240 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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.