| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF SOUTH CAROLINA | 218 TRADE ST., STE. G GREER, SC 29651 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $2K | $17K | 10.30% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $2K | $9K | 5.82% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF SOUTH CAROLINA | 218 TRADE ST., STE. G GREER, SC 29651 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $185 | $2K | 21.34% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF SOUTH CAROLINA | 218 TRADE ST., STE. G GREER, SC 29651 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $162 | $1K | 22.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HILB GROUP OF SOUTH CAROLINA BROKER | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | PO BOX 198 GREER, SC 29652 | $52K |
| CIGNA HEALTH AND LIFE INS. CO. EIN 59-1031071 CARRIER | Claims processing; Other services; Contract Administrator; Participant communication Service code 12 | — | $18K |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 231 | $160K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 231 | $160K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 231 | $160K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 231 | $160K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 231 | $160K |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 231 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.