| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JULIE PONCAR3 | 232 ADLEY WAY GREENVILLE, SC 29607 | BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA | $57K | — | $57K | 3.06% |
| ERICA KASPERKOWIAK3 | 416 W 13TH ST NEW YORK, NY 10014 | BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA | $15K | — | $15K | 0.82% |
| DAVID M GILSTON INS AGENCY3 | 15 A. GAMECOCK AVE CHARLESTON, SC 29407 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23K | $2K | $24K | 9.52% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN & HALL | 115 OFFICE PARK DRIVE SUITE 200 BIRMINGHAM, AL 35223 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 3.21% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN CAPITAL LLC DBA CA | 115 OFFICE PARK DRIVE SUITE 200 BIRMINGHAM, AL 35223 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.18% |
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 | 458 | 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) | 458 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA | 163 | $1.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 460 | $255K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 460 | $255K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 460 | $255K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 460 | $255K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 460 | $255K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA | 163 | $1.9M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 460 | $255K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 460 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.