| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SC | PO BOX 198 GREER, SC 29652 | GUARDIAN | $6K | — | $6K | 10.25% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS | 15400 28TH AVE NORTH SUITE 200 PLYMOUTH, MN 55447 | GUARDIAN | $3K | — | $3K | 5.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SC | PO BOX 198 GREER, SC 29652 | GUARDIAN | — | $2K | $2K | 4.37% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SOUTH CAROLINA | 218 TRADE ST STE G GREER, SC 29651 | MUTUAL OF OMAHA-LIFE & AD&D | $4K | — | $4K | 13.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SOUTH CAROLINA | 218 TRADE ST STE G GREER, SC 29651 | MUTUAL OF OMAHA-LIFE & AD&D | — | $2K | $2K | 5.54% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SOUTH CAROLINA | 218 TRADE ST STE G GREER, SC 29651 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY-SHORT TERM DISABILITY | $2K | — | $2K | 13.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SOUTH CAROLINA | 218 TRADE ST STE G GREER, SC 29651 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY-SHORT TERM DISABILITY | — | $730 | $730 | 5.61% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SOUTH CAROLINA | 218 TRADE ST STE G GREER, SC 29651 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY-LONG TERM DISABILITY | $1K | — | $1K | 13.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SOUTH CAROLINA | 218 TRADE ST STE G GREER, SC 29651 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY-LONG TERM DISABILITY | — | $584 | $584 | 5.38% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SOUTH CAROLINA | 218 TRADE STREET STE G GREER, SC 29651 | MUTUAL OF OMAHA INSURANCE COMPANY-LIFE AND AD&D | $366 | — | $366 | 13.01% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SOUTH CAROLINA | 218 TRADE STREET STE G GREER, SC 29651 | MUTUAL OF OMAHA INSURANCE COMPANY-LIFE AND AD&D | — | $148 | $148 | 5.26% |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | MUTUAL OF OMAHA-LIFE & AD&D | 208 | $36K |
| Short-term disability | MUTUAL OF OMAHA LIFE INSURANCE COMPANY-SHORT TERM DISABILITY | 38 | $13K |
| Long-term disability | MUTUAL OF OMAHA LIFE INSURANCE COMPANY-LONG TERM DISABILITY | 21 | $11K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY & AFFILIATES | 88 | $368K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.