| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SOUTH CAROLINA | PO BOX 198 GEER, SC 29202 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $25K | — | $25K | 4.01% |
| PLAN BENEFIT SERVICES INC3 Filed as: PLAN BENEFIT SERVICES | POST OFFICE BOX 2307 COLUMBIA, SC 29202 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | -$7 | — | -$7 | -0.00% |
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFITS CONSULTING GROUP | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $45K | — | $45K | 7.61% |
| 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 | $4K | — | $4K | 6.95% |
| GREATER METRO AGENCY INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $586 | $1K | $2K | 2.68% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD NEW YORK, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $771 | $771 | 1.29% |
| 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 | $4K | $1K | $5K | 12.56% |
| ANGELA F CLARK3 | PO BOX 727 BLYTHEWOOD, SC 29016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 9.70% |
| 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 | $2K | $145 | $2K | 8.52% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DRIVE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $588 | $593 | $1K | 4.07% |
| PATRICIA L CARON3 | 7 AVENIDA VISTA GRANDE SANTA FE, NH 87508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $585 | — | $585 | 2.01% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $229 | $238 | $467 | 1.61% |
| INSYNC BENEFITS INC3 | PO BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.04% |
| 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 | $2K | $809 | $3K | 19.20% |
| FNA INSURANCE SERVICES INC3 | 180 RIVER ROAD FLOOR 2 SUMMIT, NJ 07901 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $3K | $5K | 36.04% |
| HOWARD J. METZGER3 Filed as: HOWARD J METZGER | 179 EAST MIDDLE PATENT ROAD BEDFORD, NY 10506 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $664 | — | $664 | 4.52% |
| FOREST HILLS FINANCIAL GROUP3 Filed as: FOREST HILLS FINANCIAL GROUP N | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $24 | — | $24 | 0.16% |
| NEW YORK RHB, LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13 | — | $13 | 0.09% |
| 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 | $1K | $706 | $2K | 15.03% |
| 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 | $1K | $521 | $2K | 21.15% |
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFIT CONSULTING | 323 WEST 39TH STREET FLOOR 11 NEW YORK, NY 10018 | VISION SERVICE PLAN | $570 | — | $570 | 8.34% |
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFITS CONSULTING GROUP | 323 WEST 39TH STREET 11TH FLOOR NEW YORK, NY 10018 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $264 | — | $264 | 7.01% |
| GREATER METRO AGENCY INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $42 | $53 | $95 | 2.52% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD NEW YORK, NY 11797 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | — | $55 | $55 | 1.46% |
| 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 | $342 | $178 | $520 | 15.21% |
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 | 95 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 72 | $622K |
| Dental(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 77 | $121K |
| Vision(2 contracts, 2 carriers) | PHYSICIANS EYECARE PLAN | 95 | $15K |
| Life insurance(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 96 | $27K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 77 | $29K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 77 | $32K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 72 | $622K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 51 | $587K |
| Other(4 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 96 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 96 | — |
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.