| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $225K | $27K | $252K | 14.93% |
| PAUL STANLEY JR3 Filed as: PAUL STANLEY | 186 KING GEORGE STREET DANIEL ISLAND, SC 29492 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $49K | $0 | $49K | 2.91% |
| UNKNOWN3 | UNKNOWN CHARLESTON, SC 29421 | BLUECHOICE HEALTHPLAN | $52K | $0 | $52K | 5.10% |
| ENDEAVOR INSURANCE3 | 186 KING GEORGE STREET DANIEL ISLAND, SC 29492 | COMBINED STATES, L.S. | $15K | $0 | $15K | 19.23% |
| SAMMONS COMPANY LP3 Filed as: SAMMONS COMPANY, LP | 555 PERKINS EXTENSION, SUITE 410 MEMPHIS, TN 38117 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 10.83% |
| ALTERITY GROUP3 Filed as: ALTERITY GROUP, LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK CITY, NY 10173 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 10.83% |
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 | 23,282 | 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) | 23,282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECHOICE HEALTHPLAN | 88 | $1.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 23,282 | $1.7M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 23,282 | $1.7M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 23,282 | $1.7M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 23,282 | $1.7M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 23,282 | $1.7M |
| Prescription drug | BLUECHOICE HEALTHPLAN | 88 | $1.0M |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 23,282 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,282 | — |
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.