| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM ARMSTRONG3 | THE HILB GROUP OF SOUTH CAROLINA 131 MINISTRY DRIVE IRNO, SC 29063 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $20K | — | $20K | 4.02% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INS ASSOC LLC | 100 WOOD AVE ISELIN, NJ 08830 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | $196 | $4K | 7.28% |
| FNA INS SERVICES INC3 | 300 CONNELL DRIVE SUITE 3000 BERKELEY HEIGHTS, NJ 07922 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $2K | $2K | 3.97% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SC LLC | 218 TRADE ST GREER, SC 29651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $101 | $7K | 18.27% |
| ANGELA F CLARK3 | PO BOX 727 BLYTHEWOOD, SC 29016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $289 | $5K | 13.79% |
| THE CLARK GROUP OF SC3 | 898 ROPER RD LAURENS, SC 29360 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $2K | $3K | 8.97% |
| TRAN B HUYEN-KEODARA3 | 499 STERLING BROOK DR LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $388 | $2K | 5.77% |
| PATRICIA L CARON3 | 7 AVENUE VISTA GRANDE SANTA FE, NM 87508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.55% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DR UNIT 203 DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $447 | $605 | $1K | 2.71% |
| AMANDA K BERRY3 | 633 HOLLAND AVE CAYCE SC, SC 29033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $766 | $74 | $840 | 2.16% |
| CEDORA B LEVINER3 | PO BOX 758 KANNAPOLIS, NC 28082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $645 | $12 | $657 | 1.69% |
| KIMBERLY ANN SHARPE3 | 1 JAHUE CT IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $146 | $6 | $152 | 0.39% |
| DAVID MASON DOKELL3 | 159 BEACON DR UNIT A MOORESVILLE, NC 28117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $99 | $3 | $102 | 0.26% |
| CALDWELL TRUST COMPANY3 | 303 S LAKE DR LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | $28 | $87 | 0.22% |
| DAVID MCLEOD3 | 4201 CRESTVIEW DR SE RIO RANCHO, NM 87124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $18 | $31 | 0.08% |
| PAUL STANLEY JR3 | 5264 INTERNATIONAL BLVD NORTH CHARLESTON, SC 29406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| WILLIAM T MILLER3 | 2908 OTRANTO RD LOT 48 NORTH CHARLESTON, SC 29406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| BETH JOAN MITCHELL3 | 5264 INTERNATIONAL BLVD NORTH CHARLESTON, SC 29418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| INSYNC BENEFITS INC3 | PO BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES | 401 BROADHOLLOW RD SUITE 200 MELVILLE, NY 11747 | ARMADACARE | $1K | — | $1K | 3.18% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SC | 2131 MINISTRY DR IRMO, SC 29063 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $688 | $4K | 12.03% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SC | 2131 MINISTRY DR IRMO, SC 29063 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $653 | $3K | 19.86% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SC | 2131 MINISTRY DR IRMO, SC 29063 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $410 | $1K | 13.96% |
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFIT CONSULTING | 323 W 39TH ST FL 11 NEW YORK, NY 100181390 | VISION SERVICE PLAN | $426 | — | $426 | 5.72% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INS ASSOC LLC | 100 WOOD AVENUES S 4TH FL ISELIN, NJ 08830 | VISION SERVICE PLAN | $325 | — | $325 | 4.36% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP | 131 MINISTRY DR IRMO, SC 29063 | PHYSICIAN EYECARE | $659 | — | $659 | 10.01% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SC | 2131 MINISTRY DR IRMO, SC 29063 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $664 | $281 | $945 | 21.36% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SC | 2131 MINISTRY DR IRMO, SC 29063 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $349 | $112 | $461 | 13.21% |
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 | 195 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 66 | $496K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 82 | $91K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 90 | $14K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $8K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 49 | $10K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 34 | $13K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 66 | $496K |
| Other(4 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 118 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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.