| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 3700 FOREST DRIVE SUITE 300 COLUMBIA, SC 29204 | BLUECHOICE HEALTHPLAN | $31K | — | $31K | 4.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF SC INC | 3700 FOREST DRIVE SUITE 300 COLUMBIA, SC 29204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $139 | $6K | 10.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF SC INC | 3700 FOREST DRIVE SUITE 300 COLUMBIA, SC 29204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $151 | $5K | 15.47% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF SC INC | 3700 FOREST DRIVE SUITE 300 COLUMBIA, SC 29204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $76 | $3K | 15.46% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF SC INC | 3700 FOREST DRIVE SUITE 300 COLUMBIA, SC 29204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $813 | $250 | $1K | 8.94% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF SC INC | 7515 NORTHSIDE DRIVE SUITE 150 NORTH CHARLESTON, SC 29420 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 10.88% |
| CWIBENEFITS INC3 | PO BOX 6125 GREENVILLE, SC 29606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $306 | — | $306 | 2.82% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 3700 FOREST DRIVE SUITE 300 COLUMBIA, SC 29204 | PHYSICIANS EYECARE PLAN | — | $983 | $983 | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF SC INC | 3700 FOREST DRIVE SUITE 300 COLUMBIA, SC 29204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $859 | $27 | $886 | 15.47% |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECHOICE HEALTHPLAN | 92 | $785K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 85 | $54K |
| Vision | PHYSICIANS EYECARE PLAN | 149 | $10K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 107 | $38K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 51 | $12K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 107 | $16K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 107 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.