| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SC, LLC | P.O. BOX 198 GREER, SC 29652 | VIRTUAL HEALTH 4U | $3K | — | $3K | 13.64% |
| ENDEAVOR INSURANCE SERVICES, INC.3 Filed as: ENDEAVOR EMPLOYER SERVICES INC. | P.O. BOX 198 GREER, SC 29652 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $768 | — | $768 | 15.03% |
| ENDEAVOR INSURANCE SERVICES, INC.3 Filed as: ENDEAVOR EMPLOYER SERVICES INC. | P.O. BOX 198 GREER, SC 29652 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $174 | — | $174 | 14.99% |
| ENDEAVOR INSURANCE SERVICES, INC.3 Filed as: ENDEAVOR EMPLOYER SERVICES INC. | P.O. BOX 198 GREER, SC 29652 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $39 | — | $39 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD SC EIN 57-0287419 TPA | Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $117K |
| THOMAS COOPER & COMPANY EIN 57-1032566 TPA | Claims processing; Contract Administrator Service code 12 | P.O. BOX 22557 CHARLESTON, SC 29401 | $17K |
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 | 176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | VIRTUAL HEALTH 4U | 184 | $19K |
| Vision | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 162 | $12K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 10 | $1K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 18 | $5K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 176 | $184K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 15 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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."
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.