| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF SOUTH CAROLINA | 7621 LITTLE AVE., STE. 113 CHARLOTTE, NC 28226 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $61K | $61K | 5.96% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF SOUTH CAROLINA, LLC | PO BOX 198 GREER, SC 29652 | UNITEDHEALTHCARE INSURANCE COMPANY | $26K | $1K | $27K | 5.47% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP, LLC | 1439 STUART ENGALS BLVD., UNIT 300 MT. PLEASANT, SC 29464 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 1.46% |
| MUTUAL MED INSURANCE SERVICES3 Filed as: MUTUAL MED INS SERVICES SOUTHEAST | 4321 E 60TH ST. DAVENPORT, IA 52807 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 0.32% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SOUTH CAROLINA | P.O. BOX 198 GREER, SC 29652 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $34K | $9K | $43K | 10.76% |
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 | 426 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 431 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 259 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 426 | $396K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 426 | $396K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 426 | $396K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 426 | $396K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 426 | $396K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 259 | $1.0M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 426 | $396K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 426 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.