Palmetto Moon
Updated Filing received by DOL
Palmetto Moon, a retail — stores, food, auto, clothing employer in North Charleston, South Carolina, reported 100 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $825,900 in insurance premiums across 8 contracts and $56,100 in broker commissions and fees, 4.4% of medical premium against a national median of 3.8% among plans that paid commissions in plan year 2024. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on May 12, 2026, before the deadline.
Who was paid on Palmetto Moon's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Palmetto Moon filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| RSC Insurance Brokerage Inc · Itasca, IL | $27,953 | $0 | $27,953 | 7 |
| Marsh McLennan Agency · Greenville, SC | $21,671 | $2,741 | $24,412 | 8 |
| Emerson Rogers, LLC · Blue Bell, PA | $0 | $2,101 | $2,101 | 5 |
| Cason Group, Inc. (the) · Columbia, SC | $0 | $1,083 | $1,083 | 5 |
| RSC Insurance BR. - John Greenbaum · New York, NY | $551 | $0 | $551 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2024, as published in EBSA's 2024 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Blue Cross Blue Shield of South Carolinahealth, prescription drug | 103 | $770,257 | $33,968 | 4.4% |
| Bluecross Blue Shield of South Carolinadental | 101 | $55,643 | $6,104 | 11.0% |
| United of Omaha Life Insuarnce Companycoverage not coded | 38 | — | $6,473 | — |
| United of Omaha Life Insuarnce Companycoverage not coded | 23 | — | $1,170 | — |
| United of Omaha Life Insuarnce Companycoverage not coded | 47 | — | $1,458 | — |
| United of Omaha Life Insuarnce Companycoverage not coded | 31 | — | $3,319 | — |
| United of Omaha Life Insuarnce Companycoverage not coded | 57 | — | $3,057 | — |
| Community Eye Care LLCvision | 151 | — | $551 | — |
Source: DOL Form 5500 Schedule A, plan year 2024. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Palmetto Moon compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Premium per covered person on medical contracts: $7,478 a year (national median $7,274).
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| Palmetto Moon Welfare Benefits Plan#501 · insurance, general assets | October 31, 2025 | May 12, 2026 | before deadline | 100 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did Palmetto Moon pay in health insurance broker commissions in 2024?
Palmetto Moon's 2024 Form 5500 reports $56,100 in broker commissions and fees across 8 insurance contracts ($50,175 in commissions, $5,925 in fees), with RSC Insurance Brokerage Inc receiving the largest share.
Is Palmetto Moon's health plan self-funded or fully insured?
The 2024 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Blue Cross Blue Shield of South Carolina.
How does Palmetto Moon's broker compensation compare with similar employers?
Palmetto Moon paid 4.4% of medical premium in commissions and fees. The median for employers with 100-199 participants is 4.2%, and the median in South Carolina is 3.9%. Percentages are computed only on fully insured medical contracts with filed premiums.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.