| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 5145 GREENVILLE, SC 29606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $4K | $16K | 20.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC - SC | P.O. BOX 5145 GREENVILLE, SC 29606 | DELTA DENTAL OF MISSOURI | $6K | $0 | $6K | 10.08% |
| GRACE V NEAD3 | 1015 STATE PARK ROAD GREENVILLE, SC 29609 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $104 | $3K | 10.75% |
| CAMBRIDGE FINANCIAL & INSURANCE GRO3 Filed as: CAMBRIDGE FINANCIAL & INS GROUP | 35 BRENDON WAY SUITE D GREENVILLE, SC 29615 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $275 | $49 | $324 | 1.05% |
| GCG FINANCIAL LLC3 Filed as: RAYMOND M DICKERSON | 109 ROCHESTER ROAD EASLEY, SC 29640 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $287 | $12 | $299 | 0.97% |
| ADVANCED BENEFIT SYSTEM INC3 | 245 SEVEN FARMS DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $170 | $86 | $256 | 0.83% |
| JENNIFER ARRINGTON3 | 107 BELLVIEW DRIVE TAYLORS, SC 29687 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $99 | $0 | $99 | 0.32% |
| STEVEN P MOORE3 | 500 BEAR DRIVE GREENVILLE, SC 29605 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | $1 | $48 | 0.15% |
| C AND C BENEFIT COMMUNICATIONS3 | 122 DUPONT DRIVE GREENVILLE, SC 29607 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 0.06% |
| MARK H MACGRATH3 | 6 DUNROBIN LANE SIMPSONVILLE, SC 29681 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.02% |
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) | BLUECHOICE HEALTHPLAN | 113 | $1.0M |
| Dental | DELTA DENTAL OF MISSOURI | 195 | $64K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 156 | $77K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 156 | $77K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 156 | $77K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 156 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.