| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF SOUTH CAROLINA | 540 FORT EVANS RD., STE. G GREER, SC 29652 | HARTFORD LIFE AND ACCIDENT | $13K | $261 | $14K | 13.25% |
| SAGS JOINT VENTURE3 Filed as: SAGS JOINT VENTURE LLC | 5264 INTERNATIONAL BLVD., #200B NORTH CHARLESTON, SC 29418 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 6.88% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP SOUTH CAROLINA | 218 TRADE ST., STE. G GREER, SC 29651 | MD VIRTUAL CARE | — | $3K | $3K | 12.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF SC EIN 57-0287419 MEDICAL & DENTAL TPA | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | — | $249K |
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 | 147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 234 | $18K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 147 | $103K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 103 | $11K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 147 | $103K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA | 227 | $389K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 238 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.