| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SOUTH CAROLINA | PO BOX 2307 COLUMBIA, SC 29202 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $13K | — | $13K | 3.99% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INS ASSOC LLC | 323 WEST 39TH STREET 11TH FLOOR NEW YORK, NY 10018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 4.54% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD NEW YORK, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 4.00% |
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFITS CONSULTING GROUP | 323 WEST 39TH STREET 11TH FLOOR NEW YORK, NY 10018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $518 | $2K | 3.44% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SOUTH CAROLINA | 2131 MINISTRY DRIVE IRMO, SC 29063 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 13.97% |
| ANGELA F CLARK3 | PO BOX 727 BLYTHEWOOD, SC 29016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 10.64% |
| 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 | $1K | $135 | $1K | 9.63% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DRIVE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $333 | $347 | $680 | 4.48% |
| PATRICIA L CARON3 | 7 AVENIDA VISTA GRANDE SANTA FE, NH 87508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $323 | $7 | $330 | 2.17% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $129 | $106 | $235 | 1.55% |
| INSYNC BENEFITS INC3 | PO BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.03% |
| 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 | $2K | $853 | $3K | 22.19% |
| 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 | $836 | $690 | $2K | 18.26% |
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFIT CONSULTING | 323 WEST 39TH STREET FLOOR 11 NEW YORK, NY 10018 | VISION SERVICE PLAN | $600 | — | $600 | 9.31% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SOUTH CAROLINA | 2131 MINISTRY DRIVE IRMO, SC 29063 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $839 | $413 | $1K | 22.39% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SOUTH CAROLINA | 2131 MINISTRY DRIVE IRMO, SC 29063 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $180 | $163 | $343 | 19.09% |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 56 | $319K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 65 | $77K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 81 | $11K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 95 | $7K |
| Short-term disability(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 49 | $59K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 32 | $12K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 56 | $319K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 95 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 95 | — |
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."
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.