| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF SOUTH CAROLINA | 218 TRADE ST., STE. G GREER, SC 29651 | CIGNA HEALTH AND LIFE INSURANCE COMAPNY | $118K | $13K | $131K | 27.45% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF SOUTH CAROLINA | 218 TRADE ST., STE. G GREER, SC 29651 | STARMOUNT LIFE INSURANCE COMPANY | $8K | $6K | $14K | 4.85% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF SOUTH CAROLINA | 218 TRADE ST., STE. G GREER, SC 29651 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $1K | $15K | 9.12% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF SOUTH CAROLINA | 218 TRADE ST., STE. G GREER, SC 29651 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $168 | $4K | 18.75% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF SOUTH CAROLINA | 218 TRADE ST., STE. G GREER, SC 29651 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $206 | $3K | 20.45% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF SOUTH CAROLINA | 218 TRADE ST., STE. G GREER, SC 29651 | UNUM INSURANCE COMPANY | $2K | $95 | $2K | 15.75% |
No Schedule C service providers reported on this filing.
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 | 490 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 491 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMAPNY | 499 | $477K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 387 | $296K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 387 | $296K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 490 | $187K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 490 | $165K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 490 | $165K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 490 | $212K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 499 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.