| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND Filed as: THE HILB GROUP OF SC LLC | P.O. BOX 198 GREER, SC 296520198 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $135K | $15K | $150K | 21.30% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SC LLC | PO BOX 198 GREER, SC 29652 | AMERICAN UNITED LIFE INSURANCE COMPANY | $34K | — | $34K | 15.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SC LLC | PO BOX 198 GREER, SC 29652 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $19K | $2K | $20K | 10.92% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 INSURANCE CARRIER | Participant communication; Named fiduciary; Other services; Non-monetary compensation; Claims processing; Contract Administrator; Float revenue; Direct payment from the plan Service code 12 | 900 COTTAGE GROVE RD HARTFORD, CT 06152 | $54K |
| FLORES AND ASSOCIATES EIN 56-1542307 TPA | Contract Administrator Service code 13 | P.O. BOX 63238 CHARLOTTE, NC 282633238 | $2K |
| CIGNA EIN 59-1031071 | Float revenue; Participant communication; Other services; Non-monetary compensation; Direct payment from the plan; Claims processing; Named fiduciary; Contract Administrator Service code 12 | — | $1 |
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 | 315 | 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) | 315 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 435 | $703K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 296 | $188K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 296 | $188K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 388 | $224K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 388 | $224K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 388 | $224K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 388 | $224K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 435 | — |
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.