| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J. SAM PLEXICO & ASSOCIATES3 | PO BOX 727 BARNWELL, SC 29812 | BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA | $83K | — | $83K | 4.01% |
| SOUTHEASTERN INSURANCE CONSULTANTS3 | PO BOX 1396 IRMO, SC 29063 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $44K | — | $44K | 11.33% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1060 BROADWAY STE 400 ALBANY, NY 12204 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF SOUTH CAR EIN 57-0287419 ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $208K |
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 | 436 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 436 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA | 266 | $2.1M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 436 | $386K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 436 | $386K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 436 | $386K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 436 | $386K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 436 | $386K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA | 266 | $2.1M |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 436 | $386K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 436 | — |
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.