| 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 GREER, SC 29652 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $44K | $0 | $44K | 2.86% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S PLEASANTBURG DRIVE GREENVILLE, SC 29607 | MUTUAL OF OMAHA INSURANCE COMPANY | $21K | $0 | $21K | 14.95% |
| MARSH & MCLENNAN AGENCY LLC5 | 870 S PLEASANTBURG DRIVE GREENVILLE, SC 29607 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $4K | $4K | 2.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC - SC | 870 S PLEASANTBURG DRIVE GREENVILLE, SC 29607 | DELTA DENTAL OF MISSOURI | $10K | $18 | $10K | 10.49% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SOUTH CAROLINA | 218 TRADE STREET STE G GREER, SC 29651 | DELTA DENTAL OF MISSOURI | $713 | $0 | $713 | 0.74% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 5145 GREENVILLE, SC 29606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 32.40% |
| PHILLIP PORTER GOODRUM3 | 131 HILLSIDE AVE CHARLOTTE, NC 28209 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 32.39% |
| BENEFIT COMMUNICATION SERVICES, INC3 Filed as: BENEFIT COMMUNICATION | 4400 PARK ROAD SUITE 311 CHARLOTTE, NC 28209 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2 | $0 | $2 | 0.00% |
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 | 272 | 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) | 278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 177 | $1.5M |
| Dental | DELTA DENTAL OF MISSOURI | 275 | $96K |
| Vision | MUTUAL OF OMAHA INSURANCE COMPANY | 252 | $140K |
| Life insurance | MUTUAL OF OMAHA INSURANCE COMPANY | 252 | $140K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 252 | $140K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 252 | $140K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 177 | $1.5M |
| Other(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 252 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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.