| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF SOUTH CAROLINA | 1301 GERVAIS STREET, SUITE 900 COLUMBIA, SC 29201 | COMPANION LIFE INSURANCE COMPANY | $4K | — | $4K | 11.05% |
| SOUTH CAROLINA TRUCKING ASSOCIATION3 | 2425 DEVINE STREET COLUMBIA, SC 29205 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 5.52% |
| SC TRUCKING ASSOCIATION3 | 2425 DEVINE STREET COLUMBIA, SC 29205 | COMPANION LIFE INSURANCE COMPANY | $872 | — | $872 | 4.38% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF SOUTH CAROLINA | 1301 GERVAIS STREET, SUITE 900 COLUMBIA, SC 29201 | COMPANION LIFE INSURANCE COMPANY | $436 | — | $436 | 2.19% |
| SOUTH CAROLINA TRUCKING ASSOCIATION3 | 2425 DEVINE STREET COLUMBIA, SC 29205 | COMPANION LIFE INSURANCE COMPANY | $735 | — | $735 | 4.09% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF SOUTH CAROLINA | 1301 GERVAIS STREET, SUITE 900 COLUMBIA, SC 29201 | COMPANION LIFE INSURANCE COMPANY | $461 | — | $461 | 2.56% |
| SOUTH CAROLINA TRUCKING ASSOCIATION3 | 2425 DEVINE STREET COLUMBIA, SC 29205 | COMPANION LIFE INSURANCE COMPANY | $142 | — | $142 | 1.06% |
| SOUTH CAROLINA TRUCKING ASSOCIATION3 | 2425 DEVINE ST COLUMBIA, SC 29205 | COMPANION LIFE INSURANCE COMPANY | $741 | — | $741 | 12.70% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF SOUTH CAROLINA | 1301 GERVAIS STREET, SUITE 900 COLUMBIA, SC 29201 | COMPANION LIFE INSURANCE COMPANY | $371 | — | $371 | 6.36% |
| SC TRUCKING ASSOCIATION3 | 2425 DEVINE STREET COLUMBIA, SC 29205 | COMPANION LIFE INSURANCE COMPANY | $625 | — | $625 | 15.01% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF SOUTH CAROLINA | 1301 GERVAIS STREET, SUITE 900 COLUMBIA, SC 29201 | COMPANION LIFE INSURANCE COMPANY | $312 | — | $312 | 7.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MCGREGOR AND COMPANY LLP EIN 57-0292726 NONE | Accounting (including auditing) Service code 10 | 3830 FOREST DRIVE COLUMBIA, SC 29204 | $12K |
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 | 524 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 524 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 524 | $5.6M |
| Dental | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 524 | $5.6M |
| Vision | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 524 | $5.6M |
| Life insurance(8 contracts) | COMPANION LIFE INSURANCE COMPANY | 166 | $100K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 524 | $5.6M |
| Other(8 contracts) | COMPANION LIFE INSURANCE COMPANY | 166 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 524 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.