| 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 | $69K | — | $69K | 5.14% |
| 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 | — | $12K | $12K | 0.92% |
| PLAN BENEFIT SERVICES INC3 Filed as: PLAN BENEFIT SERVICES | POST OFFICE BOX 2307 COLUMBIA, SC 29202 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $17K | — | $17K | 4.00% |
| FNA INSURANCE SERVICES INC3 | 180 RIVER ROAD FLOOR 2 SUMMIT, NJ 07901 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $10K | 13.29% |
| HOWARD J. METZGER3 Filed as: HOWARD J METZGER | 179 EAST MIDDLE PATENT ROAD BEDFORD, NY 10506 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $533 | — | $533 | 0.70% |
| FOREST HILLS FINANCIAL GROUP3 Filed as: FOREST HILLS FINANCIAL GROUP N | 95-25 QUEENS BOULEVARD 10TH FLOOR REGO PARK, NY 11374 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $84 | — | $84 | 0.11% |
| NEW YORK RHB, LLC3 | 120 BROADWAY FLOOR 37 NEW YORK, NY 10271 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11 | — | $11 | 0.01% |
| PLAN BENEFIT SERVICES INC3 | PO BOX 2307 COLUMBIA, SC 29202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $776 | $4K | 12.51% |
| ANGELA F CLARK3 | PO BOX 727 BLYTHEWOOD, SC 29016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $882 | $3K | 18.70% |
| PLAN BENEFIT SERVICES INC3 | PO BOX 2307 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 10.63% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DRIVE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $321 | $282 | $603 | 4.02% |
| PATRICIA L CARON3 | 190 TESUQUE VILLAGE ROAD SANTE FE, NM 87506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $354 | $47 | $401 | 2.68% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $117 | $93 | $210 | 1.40% |
| INSYNC BENEFITS INC3 | PO BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | $18 | $84 | 0.56% |
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFIT CONSULTING | 323 WEST 39TH STREET FLOOR 11 NEW YORK, NY 10018 | VISION SERVICE PLAN | $742 | — | $742 | 7.54% |
| PLAN BENEFIT SERVICES INC3 | PO BOX 2307 COLUMBIA, SC 29202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $330 | $2K | 19.13% |
| PLAN BENEFIT SERVICES INC3 | PO BOX 2307 COLUMBIA, SC 29202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $744 | $348 | $1K | 14.68% |
| PLAN BENEFIT SERVICES INC3 | PO BOX 2307 COLUMBIA, SC 29202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $854 | $259 | $1K | 19.56% |
| PLAN BENEFIT SERVICES INC3 Filed as: PLAN BENEFIT SERVICES, INC. | 101 SUM-MOR DRIVE WEST COLUMBIA, SC 29169 | PHYSICIANS EYECARE PLAN | — | $518 | $518 | 10.01% |
| PLAN BENEFIT SERVICES INC3 | PO BOX 2307 COLUMBIA, SC 29202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $263 | $135 | $398 | 15.11% |
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 | 170 | 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) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC | 174 | $1.8M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 88 | $107K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 58 | $15K |
| Life insurance(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 93 | $84K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 88 | $83K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 88 | $84K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 61 | $433K |
| Other(4 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 93 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.