| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF SOUTH CAROLINA | 218 TRADE STREET, STE. G GREER, SC 29651 | AETNA LIFE INSURANCE COMPANY | — | $13K | $13K | 1.21% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF SOUTH CAROLINA | 218 TRADE STREET, STE.G GREER, SC 29651 | GUARDIAN | $43K | — | $43K | 12.17% |
| PAUL STANLEY JR3 Filed as: PAUL STANLEY | 186 KING GEORGE STREET DANIEL ISLAND, SC 29492 | GUARDIAN | $38K | — | $38K | 10.64% |
| CHARLES L GRAEBER3 | 225 N MAIN STREET, STE. 308 SALISBURY, NC 28144 | GUARDIAN | $1K | — | $1K | 0.32% |
| ROGERS BENEFIT GROUP INC3 | 9909 MIRA MESA BLVD., STE. 160 SAN DIEGO, CA 92131 | GUARDIAN | $797 | — | $797 | 0.23% |
| PAUL STANLEY JR3 Filed as: PAUL STANLEY JR. | 5264 INTERNATIONAL BLVD. NORTH CHARLESTON, NC 29418 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12K | $11K | $22K | 26.41% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF SOUTH CAROLINA | 218 TRADE STREET, STE. G GREER, SC 29651 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18K | $246 | $18K | 21.67% |
| JAMES J PHARES3 | 2037 AZALEE LN. SUMMERVILE, SC 29483 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $958 | $4K | 4.72% |
| C & L REED ASSOCIATES LLC3 | 2911 GLENARDEN DR. CHARLETON, SC 29414 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $968 | $4K | 4.24% |
| ROBERT P BARBATI3 Filed as: ROBERT G MURRAY | 1224 WALLEYE COR. CHARLESTON, SC 29414 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $460 | $4K | 4.16% |
| CBF BENEFITS INC3 | 1309 HIDDEN HARBOR RD. MYRTLE BEACH, SC 29577 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 3.26% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM INC. | 145 RIVER LANDING DR. UNIT 203 DANIEL ISLAND, SC 29492 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $1K | $2K | 2.79% |
| PALMETTO BENEFIT SOLUTIONS LLC3 | 5264 INTNL BLVD., STE. 200 NORTH CHARLESTON, NC 29418 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $730 | $1K | $2K | 2.28% |
| JULIANE D BERRY3 | 212 LAKE SHIRE DR. LEXINGTON, SC 29483 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $606 | $50 | $656 | 0.77% |
| KAITLIN NEVILLE CROWE3 | 1319 OLD MILL LN. MT PLEASANT, SC 29464 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $230 | $400 | $630 | 0.74% |
| ROBERT P BARBATI3 | 1078 N SHADOW DR. MT. PLEASANT, SC 29464 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $259 | — | $259 | 0.31% |
| CHARLES L GRAEBER3 | 225MN MAIN ST., STE 308 SALISBURY, NC 28144 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $252 | — | $252 | 0.30% |
| BENEFITS COUNT INC3 Filed as: BENEFITS COUNT LI INC | 1401 CHRISTMAS CT. RALEIGH, NC 27604 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $204 | $28 | $232 | 0.27% |
| THE CLARK GROUP OF SC3 | 898 ROPER RD. LAURENS, SC 29360 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $45 | $98 | $143 | 0.17% |
| SAGS JOINT VENTURE3 Filed as: SAGS JOINT VENTURE LLC | 5264B INTL BLVD., STE.200 NORTH CHARLESTON, SC 29418 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $121 | — | $121 | 0.14% |
| KATHRYN D KETTER3 | 118 LEES CUT WRIGHTSVILLE BEACH, NC 28480 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $98 | $1 | $99 | 0.12% |
| ARTHUR WAYNE JORDAN JR3 | 514 OAKWOOD AVE. RALEIGH, NC 27601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $65 | $6 | $71 | 0.08% |
| CALDWELL TRUST COMPANY3 | 200 PALMETTO HALL CT. LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $45 | $24 | $69 | 0.08% |
| LANDA & LANDA LLC3 | 367 BUMBLE WAY SUMMERVILLE, SC 29485 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $60 | — | $60 | 0.07% |
| KJELL T TERRELL3 | 327 GOLF COURSE DR. RALEIGH, NC 27610 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.02% |
| BARRETT L PATTERSON3 | 1522 DELLWOOD DR. RALEIGH, NC 27607 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.02% |
| KRISTEN BIBLE3 | 5461 TRALEE PLACE RALEIGH, NC 27609 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.02% |
| MICHAEL N THORN3 | 8120 JOSEPH WESTON CT. GREENSBORO, NC 27455 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
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 | 310 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 262 | $1.1M |
| Dental | GUARDIAN | 436 | $353K |
| Vision | GUARDIAN | 436 | $353K |
| Life insurance | GUARDIAN | 436 | $353K |
| Short-term disability | GUARDIAN | 436 | $353K |
| Long-term disability | GUARDIAN | 436 | $353K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 436 | $438K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 436 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.