| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SOUTH CAROLINA TRUCKING ASSOCIATION3 | 2425 DEVINE STREET COLUMBIA, SC 29205 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 10.62% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF SOUTH CAROLINA | 1301 GERVAIS STREET,SUITE 900 COLUMBIA, SC 29201 | COMPANION LIFE INSURANCE COMPANY | $1K | — | $1K | 5.31% |
| SC TRUCKING ASSOCIATION3 | 2425 DEVINE STREET COLUMBIA, SC 29205 | COMPANION LIFE INSURANCE COMPANY | $783 | — | $783 | 5.01% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF SOUTH CAROLINA | 1301 GERVAIS STREET, SUITE 900 COLUMBIA, SC 29201 | COMPANION LIFE INSURANCE COMPANY | $391 | — | $391 | 2.50% |
| SC TRUCKING ASSOCIATION3 | 2425 DEVINE STREET COLUMBIA, SC 29205 | COMPANION LIFE INSURANCE COMPANY | $362 | — | $362 | 3.54% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF SOUTH CAROLINA | 1301 GERVAIS STREET, SUITE 900 COLUMBIA, SC 29201 | COMPANION LIFE INSURANCE COMPANY | $181 | — | $181 | 1.77% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF SOUTH CAROLINA | 1301 GERVAIS STREET, SUITE 900 COLUMBIA, SC 29201 | COMPANION LIFE INSURANCE COMPANY | $103 | — | $103 | 7.52% |
| 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 |
| FIRST CITIZENS BANK EIN 56-0223230 NONE | Account maintenance fees Service code 65 | PO BOX 27131 RALEIGH, NC 27611 | $5K |
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 | 428 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 428 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 428 | $5.2M |
| Dental | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 428 | $5.2M |
| Vision | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 428 | $5.2M |
| Life insurance(6 contracts) | COMPANION LIFE INSURANCE COMPANY | 91 | $55K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 428 | $5.2M |
| Other(6 contracts) | COMPANION LIFE INSURANCE COMPANY | 91 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 428 | — |
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.