| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PRIME BENEFIT INC3 | P.O. BOX 2112 IRMO, SC 29063 | COMPANION LIFE INSURANCE COMPANY | — | $256 | $256 | 10.01% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF SOUTH CAROLINA | I 20 AT ALPINE RD COLUMBIA, SC 29219 | COMPANION LIFE INSURANCE COMPANY | — | $128 | $128 | 5.01% |
| PRIME BENEFIT INC3 Filed as: PRIME BENEFIT INC. | P.O. BOX 2112 IRMO, SC 29063 | COMPANION LIFE INSURANCE COMPANY | — | $247 | $247 | 10.02% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF SOUTH CAROLINA | I 20 AT ALPINE ROAD COLUMBIA, SC 29219 | COMPANION LIFE INSURANCE COMPANY | — | $123 | $123 | 4.99% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE RD. STE. F GREENSBORO, NC 27409 | COMPANION LIFE INSURANCE COMPANY | — | $139 | $139 | 6.56% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY RD. STE. F GREENSBORO, NC 27409 | COMPANION LIFE INSURANCE COMPANY | — | $139 | $139 | 6.56% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF SOUTH CAROLINA | I 20 AT ALPINE ROAD COLUMBIA, SC 29219 | COMPANION LIFE INSURANCE COMPANY | — | $139 | $139 | 6.56% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD STE. F GREENSBORO, NC 27409 | COMPANION LIFE INSURANCE COMPANY | — | $7 | $7 | 9.46% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF SOUTH CAROLINA | I 20 AT ALPINE ROAD COLUMBIA, SC 29219 | COMPANION LIFE INSURANCE COMPANY | — | $4 | $4 | 5.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BB&T NONE | Custodial (other than securities) Service code 18 | 200 WEST SECOND STREET WINSTON-SALEM, NC 28472 | $7K |
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 | 233 | 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) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 233 | $2.9M |
| Dental | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 233 | $2.9M |
| Life insurance(4 contracts) | COMPANION LIFE INSURANCE COMPANY | 53 | $7K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 233 | $2.9M |
| Other(4 contracts) | COMPANION LIFE INSURANCE COMPANY | 53 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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 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.