| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $70K | $70K | 5.61% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SOUTH CAROLINA | 218 TRADE ST., STE. G GREER, SC 29651 | HUMANA INSURANCE COMPANY | $12K | — | $12K | 9.31% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA LLC | 4010 OLEANDER DR. WILMINGTON, NC 28403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 11.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD. | 2430 MALL DR., STE. 280 NORTH CHARLESTON, SC 29406 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 7.77% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NORTH CAROLINA | 7621 LITTLE AVE., STE. 113 CHARLOTTE, NC 28226 | COMMUNITY EYE CARE | $3K | — | $3K | 10.00% |
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 | 519 | 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) | 519 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 172 | $1.3M |
| Dental | HUMANA INSURANCE COMPANY | 519 | $133K |
| Vision | COMMUNITY EYE CARE | 362 | $29K |
| Life insurance(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 519 | $191K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 225 | $58K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 172 | $1.3M |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 225 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 519 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.