| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON & ASSOCIATES INC. | PO BOX 211609 COLUMBIA, SC 29221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $108 | $2K | 13.83% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DR LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | $75 | $172 | 1.35% |
| ADVANCED BENEFITS3 Filed as: ADVANCED BENEFITS INC | 1299 WEST RIVERSTONE DRIVE COEUR D ALENE, ID 83814 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | $32 | $93 | 0.73% |
| NOEL TAYLOR AGENCY INC3 | PO BOX 1921 IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 0.42% |
| WBBAS INC3 | PO BOX 1921 IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.30% |
| THE ADAMSON GROUP INC3 | 344 SUMMERSET DRIVE CHAPIN, SC 29036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.06% |
| ADVANCED BENEFITS3 Filed as: ADVANCED BENEFITS INC | 1299 WEST RIVERSTONE DRIVE COEUR D ALENE, ID 83814 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $57K | — | $57K | — |
| PACIFIC ADVISORS LLC3 | 333 INDIAN HILL BLVD CLAREMONT, CA 91711 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | — |
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 | 351 | 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) | 351 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | STANDARD LIFE | 324 | $301K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 351 | $0 |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 351 | $0 |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 351 | $0 |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 351 | $0 |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 351 | $0 |
| Stop-loss / reinsurancereinsurance | STANDARD LIFE | 324 | $301K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 351 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 351 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.