| 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 29651 | BCBS OF SOUTH CAROLINA | $50K | — | $50K | 7.61% |
| HILB GROUP OF NEW ENGLAND Filed as: THE HILB GROUP | — | BCBS OF SOUTH CAROLINA | — | — | $0 | 0.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SC | PO BOX 198 GREER, SC 29652 | GUARDIAN | $7K | — | $7K | 9.57% |
| HILB GROUP OF NEW ENGLAND5 Filed as: THE HILB GROUP OF SOUTH CAROLINA | 218 TRADE ST STE G GREER, SC 29651 | GUARDIAN | — | $5K | $5K | 6.25% |
| BENETEX CORPORATION3 Filed as: BENETEX CORPORSATION | 4275 WEST SAND LAKE ROAD ORLANDO, FL 32819 | GUARDIAN | $3K | — | $3K | 4.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SOUTH CAROLINA | 218 TRADE ST STE G GREER, SC 29651 | MUTUAL OF OMAHA | $4K | — | $4K | 10.24% |
| WEB BENEFITS DESIGN CORPORATION5 Filed as: WEB BEINIFITS DESIGN | 4725 W SAND LAKE RD STE 300 ORLANDO, FL 32819 | MUTUAL OF OMAHA | — | $1K | $1K | 2.76% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SOUTH CAROLINA | 218 TRADE ST STE G GREER, SC 29651 | MUTUAL OF OMAHA | — | $492 | $492 | 1.18% |
| 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 | 10.24% |
| WEB BENEFITS DESIGN CORPORATION5 Filed as: WEB BENIFITS DESIGN | 4725 W SAND LAKE RD STE 300 ORLANDO, SC 32819 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY-LONG TERM DISABILITY | — | $348 | $348 | 2.76% |
| 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 | — | $160 | $160 | 1.27% |
| 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 | $1K | — | $1K | 10.50% |
| WEB BENEFITS DESIGN CORPORATION5 Filed as: WEB BENIFITS DESIGN | 4725 W SAND LAKE RD STE 300 ORLANDO, FL 32819 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY-SHORT TERM DISABILITY | — | $303 | $303 | 2.83% |
| 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 | — | $162 | $162 | 1.51% |
| 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 | $302 | — | $302 | 10.24% |
| WEB BENEFITS DESIGN CORPORATION5 Filed as: WEB BENIFITS DESIGN | 4725 W SAND LAKE RD STE 300 ORLANDO, FL 32819 | MUTUAL OF OMAHA INSURANCE COMPANY-LIFE AND AD&D | — | $82 | $82 | 2.78% |
| 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 | — | $40 | $40 | 1.36% |
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 | 147 | 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) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCBS OF SOUTH CAROLINA | 117 | $654K |
| Life insurance(2 contracts, 2 carriers) | MUTUAL OF OMAHA | 239 | $45K |
| Short-term disability | MUTUAL OF OMAHA LIFE INSURANCE COMPANY-SHORT TERM DISABILITY | 47 | $11K |
| Long-term disability | MUTUAL OF OMAHA LIFE INSURANCE COMPANY-LONG TERM DISABILITY | 37 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.