| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SOUTHEASTERN INSURANCE CONSULTANTS3 Filed as: SOUTHEASTERN INS CONSULTANTS, LLC | PO BOX 1396 IRMO, SC 29063 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 11.19% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF SOUTH CAROLINA | 1301 GERVAIS ST. STE. 900 COLUMBIA, SC 29201 | COMPANION LIFE INSURANCE COMPANY | $907 | — | $907 | 6.70% |
| J SAM PLEXIOC CLU3 | PO BOX 727 BARNWELL, SC 29812 | COMPANION LIFE INSURANCE COMPANY | $326 | — | $326 | 2.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HOME BUILDERS ASSOCIATION OF SC EIN 84-8651373 PLAN SPONSOR | Other services; Plan Administrator Service code 14 | 625 TAYLOR STREET, SUITE A COLUMBIA, SC 29201 | $150K |
| CLIFTONLARSONALLEN, LLP EIN 41-0746749 NONE | Accounting (including auditing) Service code 10 | — | $14K |
| FIRST CITIZENS BANK 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 | 651 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 658 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 658 | $6.8M |
| Dental | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 658 | $6.8M |
| Vision | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 658 | $6.8M |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 140 | $14K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 658 | $6.8M |
| Other | COMPANION LIFE INSURANCE COMPANY | 140 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 658 | — |
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.