| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFIT CONSULTING CORP | 323 WEST 39TH STREET 11TH FLOOR NEW YORK, NY 10018 | OXFORD HEALTH INSURANCE, INC. | $55K | — | $55K | 4.34% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES INC - GA | 1000 WOODBURY ROAD SUITE 403 4TH FLOOR WOODBURY, NY 11797 | OXFORD HEALTH INSURANCE, INC. | — | $10K | $10K | 0.83% |
| PLAN BENEFIT SERVICES INC3 Filed as: PLAN BENEFIT SERVICES | POST OFFICE BOX 2307 COLUMBIA, SC 29202 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $26K | — | $26K | 6.17% |
| FNA INSURANCE SERVICES INC3 | 180 RIVER ROAD FLOOR 2 SUMMIT, NJ 07901 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $2K | $9K | 14.14% |
| HOWARD J. METZGER3 Filed as: HOWARD J METZGER | 179 EAST MIDDLE PATENT ROAD BEDFORD, NY 10506 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $484 | — | $484 | 0.72% |
| NMP PLANNING CO. INC3 Filed as: NMP PLANNING CO INC | 95-25 QUEENS BOULEVARD 10TH FLOOR REGO PARK, NY 11374 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $79 | — | $79 | 0.12% |
| NEW YORK RHB, LLC3 Filed as: NEW YORK RHB LLC | 120 BROADWAY FLOOR 37 NEW YORK, NY 10271 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $32 | — | $32 | 0.05% |
| PLAN BENEFIT SERVICES INC3 | PO BOX 2307 COLUMBIA, SC 29202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $124 | $4K | 10.35% |
| ANGELA F CLARK3 | PO BOX 727 BLYTHEWOOD, SC 29016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $34 | $3K | 17.10% |
| PLAN BENEFIT SERVICES INC3 | PO BOX 2307 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 14.38% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DRIVE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $452 | $701 | $1K | 7.66% |
| PATRICIA L CARON3 | 190 TESUQUE VILLAGE ROAD SANTE FE, NM 87506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $450 | $147 | $597 | 3.97% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $166 | $239 | $405 | 2.69% |
| INSYNC BENEFITS INC3 | PO BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $125 | $32 | $157 | 1.04% |
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFIT CONSULTING | 323 WEST 39TH STREET FLOOR 11 NEW YORK, NY 10018 | VISION SERVICE PLAN | $683 | — | $683 | 7.88% |
| PLAN BENEFIT SERVICES INC3 | PO BOX 2307 COLUMBIA, SC 29202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $753 | $299 | $1K | 13.97% |
| PLAN BENEFIT SERVICES INC3 | PO BOX 2307 COLUMBIA, SC 29202 | PHYSICIANS EYECARE PLAN | $635 | — | $635 | 10.00% |
| PLAN BENEFIT SERVICES INC3 | PO BOX 2307 COLUMBIA, SC 29202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $899 | $237 | $1K | 18.96% |
| PLAN BENEFIT SERVICES INC3 | PO BOX 2307 COLUMBIA, SC 29202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $739 | $229 | $968 | 19.64% |
| PLAN BENEFIT SERVICES INC3 | PO BOX 2307 COLUMBIA, SC 29202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $310 | $139 | $449 | 14.49% |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC. | 177 | $1.7M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 84 | $102K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 64 | $15K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 106 | $70K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 84 | $75K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 84 | $73K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 63 | $426K |
| Other(4 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 106 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.