| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SOUTH CAROLINA | 218 TRADE ST., STE. G GREER, SC 29652 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $61K | — | $61K | 4.09% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF SOUTH CAROLINA | 218 TRADE ST., STE. G GREER, SC 29206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $838 | $6K | 5.74% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF SOUTH CAROLINA | 218 TRADE ST., STE. G GREER, SC 29651 | STARMOUNT LIFE INSURANCE COMPANY | $11K | $831 | $12K | 11.73% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF SOUTH CAROLINA | 218 TRADE ST., STE. G GREER, SC 29651 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $326 | $7K | 17.29% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF SOUTH CAROLINA | 218 TRADE ST., STE. G GREER, SC 29651 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 17.21% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP INC. | 1612 MARION ST. COLUMBIA, SC 29201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $7 | $2K | 6.85% |
| SCMA FINANCIAL SERVICES3 | 132 WESTPARK BLVD. COLUMBIA, SC 29210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11 | — | $11 | 0.03% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF SOUTH CAROLINA | 218 TRADE ST., STE. G GREER, SC 29651 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $238 | $3K | 11.93% |
| LEMUEL H WALKER JR INC.3 | PO BOX 3090 SPARTANBURG, SC 29304 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $125 | — | $125 | 3.45% |
| FORUM BENEFITS INC3 Filed as: FORUM BENEFITS LLC | 1122 S MAIN ST. GREENVILLE, SC 29601 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $66 | — | $66 | 1.82% |
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 | 181 | 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) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 151 | $1.5M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 155 | $102K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 155 | $102K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 181 | $151K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 64 | $29K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 181 | $112K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 196 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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.