| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF SOUTH CAROLINA | P.O. BOX 198 GREER, SC 29652 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $42K | — | $42K | 3.55% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF SOUTH CAROLINA | P.O. BOX 198 GREER, SC 29652 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $10K | $25K | 13.36% |
| PAUL STANLEY JR3 Filed as: PAUL STANLEY JR. | 5264 INTERNATIONAL BLVD. NORTH CHARLESTON, SC 29418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 19.06% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SOUTH CAROLINA | 218 TRADE STREET GREER, SC 29651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 12.71% |
| BETH JOAN MITCHELL3 | 5264 INTERNATIONAL BLVD. NORTH CHARLESTON, SC 29418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $339 | $117 | $456 | 3.01% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM INC. | 145 RIVER LANDING DR. DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $170 | $245 | $415 | 2.74% |
| JAMES J PHARES3 | 2037 AZALEE LANE SUMMERVILLE, SC 29483 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $227 | $55 | $282 | 1.86% |
| ROBERT P BARBATI3 | 1078 N. SHADOW DR. MT. PLEASANT, SC 29464 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 0.33% |
| KIMBERLY J MORGAN3 | 228 APACHE DR. SUMMERVILLE, SC 29483 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.03% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 100 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 210 | $187K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 210 | $187K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 210 | $187K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 210 | $187K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 210 | $187K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 210 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.