| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NOT PROVIDED3 | — | BLUE CHOICE HEALTH PLAN OF SOUTH CAROLINA | $2K | $0 | $2K | 0.18% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 5145 GREENVILLE, SC 29606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $6K | $20K | 20.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC SC | PO BOX 5145 GREENVILLE, SC 29606 | DELTA DENTAL OF MISSOURI | $8K | $187 | $8K | 10.80% |
| GRACE V NEAD3 | 1015 STATE PARK ROAD GREENVILLE, SC 29609 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $67 | $5K | 15.26% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL AND INSURANCE | 88 VILLA ROAD GREENVILLE, SC 29615 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $499 | $166 | $665 | 1.87% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEMS INC | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $235 | $139 | $374 | 1.05% |
| GCG FINANCIAL LLC3 Filed as: RAYMOND M DICKERSON | 109 ROCHESTER ROAD EASLEY, SC 29640 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | $0 | $81 | 0.23% |
| JENNIFER ARRINGTON3 | 107 BELLVIEW DRIVE TAYLORS, SC 29687 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | $0 | $66 | 0.19% |
| C AND C BENEFIT COMMUNICATIONS3 | 1 SEVIER COURT TAYLORS, SC 29687 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.03% |
| STEVEN P MOORE3 | 500 BEAR DRIVE GREENVILLE, SC 29605 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 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 | 160 | 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) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CHOICE HEALTH PLAN OF SOUTH CAROLINA | 108 | $1.1M |
| Dental | DELTA DENTAL OF MISSOURI | 196 | $73K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 160 | $98K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 160 | $98K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 160 | $98K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 160 | $133K |
| 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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.