| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SOUTH CAROLINA, L | PO BOX 198 GREER, SC 29652 | UNITEDHEALTHCARE INSURANCE COMPANY | $51K | $0 | $51K | 4.86% |
| GRAEBER & ASSOCIATES INC3 | 225 N MAIN STREET SUITE 308 SALISBURY, NC 28144 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 0.40% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SOUTH CAROLINA LL | 218 TRADE ST GREER, SC 29651 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $21K | $4K | $25K | 14.92% |
| PAUL STANLEY JR3 | 5264 INTERNATIONAL BLVD NORTH CHARLESTON, SC 29418 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $8K | $22K | 12.89% |
| JAMES J PHARES3 | 2037 AZALEE LANE SUMMERVILLE, SC 29483 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $3K | $10K | 5.88% |
| CBF BENEFITS INC3 | 1309 HIDDEN HARBOR RD MYRTLE BEACH, SC 29577 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $451 | $7K | 3.99% |
| C & L REED ASSOCIATES LLC3 | 2911 GLENARDEN DRIVE CHARLESTON, SC 29414 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 3.75% |
| CHARLES L GRAEBER3 | 225 N MAIN STREET SALISBURY, NC 28144 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 3.67% |
| BENEFITS COUNT INC3 Filed as: BENEFITS COUNT II INC | 1401 CHRISTIMAS COURT RALEIGH, NC 27604 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $972 | $5K | 3.14% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $2K | $4K | 2.10% |
| KATHRYN D KETTER3 | 118 LEES CUT WRIGHTSVILLE BEACH, NC 28480 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 1.78% |
| ARTHUR WAYNE JORDAN JR3 | 514 OAKWOOD AVENUE RALEIGH, NC 27601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $320 | $2K | 0.97% |
| PALMETTO BENEFIT SOLUTIONS LLC3 | 5264B INTERNATIONAL BLVD NORTH CHARLESTON, SC 29418 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $767 | $621 | $1K | 0.83% |
| ROBERT P BARBATI3 | 1078 N. SHADOW DR. MT PLEASANT, SC 29464 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 0.70% |
| SAGS JOINT VENTURE3 | 5264B INTERNATIONAL BLVD NORTH CHARLESTON, SC 29418 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $743 | $7 | $750 | 0.45% |
| KJELL T TERRELL3 | 327 GOLF COURSE DR RALEIGH, NC 27610 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $455 | $10 | $465 | 0.28% |
| BARRETT L PATTERSON3 | 1522 DELLWOOD DR. RALEIGH, NC 27607 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $328 | $71 | $399 | 0.24% |
| KRISTEN BIBLE3 | 5461 TRALEE PLACE RALEIGH, NC 27609 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $315 | $1 | $316 | 0.19% |
| MICHAEL N THORN3 | 2708 ALAMANCE CHURCH RD GREENSBORO, NC 27406 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $131 | $0 | $131 | 0.08% |
| ELAINE M RUIZ3 | 473 OAK GROVE CIRCLE JEFFERSON, NC 28640 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $31 | $0 | $31 | 0.02% |
| JASON DOUGLAS WISE3 | 8257 PRIMANTI BLVD RALEIGH, NC 27612 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.01% |
| LYNN MARIE BARRY3 Filed as: LYNN M MCLEOD | 165 MCDOWELL ROAD MILLS RIVER, NC 28759 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| JOEY MIGUES3 Filed as: JOEY GRUBBS BENEFITS LLC | 525 TAYLOR RD MONTICELLO, FL 32344 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| CHARLES L GRAEBER3 | 225 N MAIN STREET SUITE 308 SALISBURY, NC 28144 | GUARDIAN | $11K | $0 | $11K | 7.41% |
| ROGERS BENEFIT GROUP INC3 | 9909 MIRA MESA BLVD SUITE 160 SAN DIEGO, CA 92131 | GUARDIAN | $7K | $0 | $7K | 5.00% |
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 | 156 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 209 | $1.1M |
| Dental | GUARDIAN | 300 | $147K |
| Vision | GUARDIAN | 300 | $147K |
| Life insurance | GUARDIAN | 300 | $147K |
| Short-term disability | GUARDIAN | 300 | $147K |
| Long-term disability | GUARDIAN | 300 | $147K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 300 | $314K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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.