| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PLAN BENEFIT SERVICES INC3 Filed as: PLAN BENEFIT SERVICES | POST OFFICE BOX 2307 COLUMBIA, SC 29202 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $22K | — | $22K | 3.99% |
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFITS CONSULTING GROUP | 323 WEST 39TH STREET FLOOR 11 NEW YORK, NY 10018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $60K | — | $60K | 12.57% |
| GREATER METRO AGENCY INC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $24K | $24K | 5.03% |
| FNA INSURANCE SERVICES INC3 | 180 RIVER ROAD FLOOR 2 SUMMIT, NJ 07901 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $3K | $10K | 14.18% |
| HOWARD J. METZGER3 Filed as: HOWARD J METZGER | 179 EAST MIDDLE PATENT ROAD BEDFORD, NY 10506 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $560 | — | $560 | 0.78% |
| FOREST HILLS FINANCIAL GROUP3 Filed as: FOREST HILLS FINANCIAL GROUP N | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $82 | — | $82 | 0.11% |
| NEW YORK RHB, LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11 | — | $11 | 0.02% |
| PLAN BENEFIT SERVICES INC3 | PO BOX 2307 COLUMBIA, SC 29202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $852 | $4K | 9.75% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SOUTH CAROLINA | 218 TRADE STREET SUITE G GREER, SC 29651 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $947 | — | $947 | 2.45% |
| ANGELA F CLARK3 | PO BOX 727 BLYTHEWOOD, SC 29016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 9.50% |
| PLAN BENEFIT SERVICES INC3 | PO BOX 2307 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 6.91% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DRIVE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $502 | $759 | $1K | 5.03% |
| PATRICIA L CARON3 | 7 AVENIDA VISTA GRANDE SANTA FE, NH 87508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $582 | $31 | $613 | 2.44% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $193 | $138 | $331 | 1.32% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SOUTH CAROLINA LI | C/O PLAN BENEFIT SERVICES INC WEST COLUMBIA, SC 29169 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $293 | — | $293 | 1.17% |
| INSYNC BENEFITS INC3 | PO BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.05% |
| PLAN BENEFIT SERVICES INC3 | PO BOX 2307 COLUMBIA, SC 29202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $510 | $2K | 14.90% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SOUTH CAROLINA | 218 TRADE STREET SUITE G GREER, SC 29651 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $524 | — | $524 | 3.84% |
| PLAN BENEFIT SERVICES INC3 | PO BOX 2307 COLUMBIA, SC 29202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $934 | $468 | $1K | 11.44% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SOUTH CAROLINA | 218 TRADE STREET SUITE G GREER, SC 29651 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $292 | — | $292 | 2.38% |
| PLAN BENEFIT SERVICES INC3 | PO BOX 2307 COLUMBIA, SC 29202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $959 | $284 | $1K | 14.13% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SOUTH CAROLINA | 218 TRADE STREET SUITE G GREER, SC 29651 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $360 | — | $360 | 4.09% |
| PLAN BENEFIT SERVICES INC3 Filed as: PLAN BENEFIT SERVICES, INC. | 131 MINISTRY DRIVE IRMO, SC 29063 | PHYSICIANS EYECARE PLAN | — | $716 | $716 | 9.99% |
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFIT CONSULTING | 323 WEST 39TH STREET FLOOR 11 NEW YORK, NY 10018 | VISION SERVICE PLAN | $642 | — | $642 | 9.02% |
| PLAN BENEFIT SERVICES INC3 | PO BOX 2307 COLUMBIA, SC 29202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $240 | $133 | $373 | 11.76% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SOUTH CAROLINA | 218 TRADE STREET SUITE G GREER, SC 29651 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $77 | — | $77 | 2.43% |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 104 | $1.0M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 81 | $111K |
| Vision(2 contracts, 2 carriers) | PHYSICIANS EYECARE PLAN | 88 | $14K |
| Life insurance(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 101 | $84K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 79 | $84K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 79 | $86K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 59 | $555K |
| Other(4 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 101 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 104 | — |
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.