| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP SERVICES | POST OFFICE BOX 198 GREER, SC 29652 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $104K | — | $104K | 5.46% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SOUTH CAROLINA | PO BOX 198 GREER, SC 29652 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25K | $10K | $35K | 11.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE HILB GROUP SERVICES EIN 81-4565366 | Insurance agents and brokers Service code 22 | PO BOX 198 GREER, SC 29652 | $104K |
| THE HILB GROUP OF SOUTH CAROLINA EIN 81-4565366 | Insurance agents and brokers Service code 22 | PO BOX 198 GREER, SC 29652 | $35K |
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 | 305 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 204 | $1.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 225 | $306K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 225 | $306K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 225 | $306K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 225 | $306K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 225 | $306K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.