| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SOUTHERN BENEFIT SYSTEMS3 | 207 SOUTH MAIN STREET FOUNTAIN INN, SC 29644 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $77K | $0 | $77K | 10.91% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP, INC. | 1612 MARION STREET 4TH FLOOR COLUMBIA, SC 29201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $0 | $19K | 2.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $677 | $2K | $2K | 0.31% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN AND ASSOCIATES | 1933 STATE ROUTE 35 SUITE 368 BELMAR, NJ 07719 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.22% |
| SOUTHERN BENEFIT SYSTEMS3 | 207 SOUTH MAIN STREET FOUNTAIN INN, SC 29644 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 0.93% |
| SOUTHERN BENEFIT SYSTEMS4 | 207 SOUTH MAIN STREET FOUNTAIN INN, SC 29644 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $2K | $0 | $2K | 17.00% |
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 | 467 | 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) | 467 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 111 | $1.2M |
| Dental | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | 294 | $372K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 467 | $1.1M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 467 | $708K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 467 | $708K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 467 | $708K |
| Prescription drug | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 111 | $1.2M |
| Other(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 467 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 467 | — |
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.