| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMY GARNER3 | EMPLOYEE BENEFIT SPECIALIST P O BOX 80157 SIMPSONVILLE, SC 29680 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $63K | $0 | $63K | 0.88% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GRP OF SOUTH CAROLINA | 218 TRADE STREET SUITE G GREER, SC 29651 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $63K | $0 | $63K | 0.88% |
| EMPLOYEE BENEFIT SPECIALISTS3 Filed as: EMPLOYEE BENEFIT SPECIALISTS LLC | PO BOX 80157 SIMPSONVILLE, SC 29680 | SUN LIFE ASSURANCE COMPANY OF CANADA | $86K | $0 | $86K | 8.10% |
| EMPLOYEE BENEFIT SPECIALISTS3 Filed as: EMPLOYEE BENEFIT SPECIALISTS LLC | PO BOX 80157 SIMPSONVILLE, SC 29680 | SUN LIFE ASSURANCE COMPANY OF CANADA | $31K | $0 | $31K | 5.72% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GRP OF SOUTH CAROLINA LLC | 218 TRADE ST SUITE G GREER, SC 29651 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $0 | $5K | 0.95% |
| GARNER, AMY L3 | PO BOX 80157 SIMPSONVILLE, SC 29680 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $0 | $5K | 0.95% |
| HILB GROUP OF NEW ENGLAND3 Filed as: ENDEAVOR INSURANCE SRVCS (HILB GRP) | 218 TRADE STREET SUITE G GREER, SC 29651 | COMBINED STATES L.S., INC. | $2K | $0 | $2K | 14.40% |
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 | 859 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 862 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 703 | $7.1M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 915 | $539K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 915 | $539K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 914 | $1.1M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 914 | $1.1M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 914 | $1.1M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 703 | $7.1M |
| Other(4 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 929 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 929 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.