| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT GROUP | 3700 FOREST DRIVE #300 COLUMBIA, SC 29204 | BLUECHOICE HEALTHPLAN | $26K | $0 | $26K | 2.79% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF SC INC | 3700 FOREST DRIVE #300 COLUMBIA, SC 29204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $7K | $10K | 16.60% |
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT GROUP | 3700 FOREST DRIVE #300 COLUMBIA, SC 29204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF SC INC | 3700 FOREST DRIVE #300 COLUMBIA, SC 29204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $3K | $5K | 18.96% |
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT GRP INC | 3700 FOREST DRIVE #300 COLUMBIA, SC 29204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.18% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF SC INC | 3700 FOREST DRIVE #300 COLUMBIA, SC 29204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $2K | $3K | 18.80% |
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT GROUP | 3700 FOREST DRIVE #300 COLUMBIA, SC 29204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 8.45% |
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT GROUP | 3700 FOREST DRIVE #300 COLUMBIA, SC 29204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 20.28% |
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT GROUP | 3700 FOREST DRIVE #300 COLUMBIA, SC 29204 | PHYSICIANS EYECARE PLAN | $1K | $0 | $1K | 9.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF SC INC | 3700 FOREST DRIVE #300 COLUMBIA, SC 29204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $394 | $745 | $1K | 18.90% |
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT GROUP | 3700 FOREST DRIVE #300 COLUMBIA, SC 29204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $509 | $0 | $509 | 8.45% |
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 | 129 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECHOICE HEALTHPLAN | 99 | $949K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 99 | $59K |
| Vision | PHYSICIANS EYECARE PLAN | 158 | $12K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 129 | $33K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 64 | $13K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 129 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.