| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SC TRUCKING ASSOCIATION | 2425 DEVINE STREET COLUMBIA, SC 29205 | COMPANION LIFE INSURANCE COMPANY | $901 | — | $901 | 4.41% |
| BLUE CROSS BLUE SHIELD OF FLORIDA Filed as: BCBS OF SOUTH CAROLINA | I-20 AT ALPINE ROAD COLUMBIA, SC 29219 | COMPANION LIFE INSURANCE COMPANY | $453 | — | $453 | 2.21% |
| SOUTH CAROLINA TRUCKING ASSOCIATION3 | 2425 DEVINE STREET COLUMBIA, SC 29205 | COMPANION LIFE INSURANCE COMPANY | $704 | — | $704 | 4.02% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF SOUTH CAROLINA | I 20 AT ALPINE ROAD COLUMBIA, SC 29219 | COMPANION LIFE INSURANCE COMPANY | $358 | — | $358 | 2.05% |
| SOUTH CAROLINA TRUCKING ASSOCIATION3 | 2425 DEVINE STREET COLUMBIA, SC 29205 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 17.12% |
| SOUTH CAROLINA TRUCKING ASSOCIATION3 | 2425 DEVINE ST COLUMBIA, SC 29205 | COMPANION LIFE INSURANCE COMPANY | $966 | — | $966 | 12.39% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF SOUTH CAROLINA | I 20 AT ALPINE ROAD COLUMBIA, SC 29219 | COMPANION LIFE INSURANCE COMPANY | $486 | — | $486 | 6.23% |
| SC TRUCKING ASSOCIATION | 2425 DEVINE STREET COLUMBIA, SC 29205 | COMPANION LIFE INSURANCE COMPANY | $588 | — | $588 | 15.12% |
| BLUE CROSS BLUE SHIELD OF FLORIDA Filed as: BCBS OF SOUTH CAROLINA | I-20 AT ALPINE ROAD COLUMBIA, SC 29219 | COMPANION LIFE INSURANCE COMPANY | $297 | — | $297 | 7.64% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MCGREGOR AND COMPANY LLP EIN 57-0292726 NONE | Accounting (including auditing) Service code 10 | 3830 FOREST DRIVE COLUMBIA, SC 29204 | $14K |
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 | 532 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 532 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 532 | $4.8M |
| Dental | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 532 | $4.8M |
| Vision | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 532 | $4.8M |
| Life insurance(8 contracts) | COMPANION LIFE INSURANCE COMPANY | 153 | $78K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 532 | $4.8M |
| Other(8 contracts) | COMPANION LIFE INSURANCE COMPANY | 153 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 532 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.