| 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 | $11K | — | $11K | 23.29% |
| SAGS JOINT VENTURE3 Filed as: SAGS JOINT VENTURE LLC | 5264 INTERNATIONAL BLVD., #200B NORTH CHARLESTON, SC 29418 | HARTFORD LIFE AND ACCIDENT | — | $11K | $11K | 22.27% |
| ADP INC3 Filed as: AUTOMATIC DATA PROC INS AGCY INC | PO BOX 28964 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 8.11% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SOUTH CAROLINA | 218 TRADE ST., STE. G GREER, SC 29418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $230 | $3K | 10.64% |
| PAUL STANLEY JR3 Filed as: PAUL STANLEY JR. | 5264 INTERNATIONAL BLVD. NORTH CHARLESTON, SC 29418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $723 | $2K | 6.68% |
| JAMES J PHARES3 | 2037 AZALEE LEE SUMMERVILLE, SC 29418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $175 | $1K | 3.73% |
| ROBERT P BARBATI3 Filed as: ROBERT G MURRAY | 1224 WALLEY CORNER CHARLESTON, SC 29414 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $364 | $72 | $436 | 1.34% |
| BETH JOAN MITCHELL3 | 5264 INTERNATIONAL BLVD NORTH CHARLESTON, SC 29418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $413 | — | $413 | 1.27% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTSEMS INC | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $219 | $187 | $406 | 1.25% |
| ROBERT P BARBATI3 | 1078 N. SHADOW DRIVE MT.PLEASANT, SC 29464 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $137 | — | $137 | 0.42% |
| C & L REED ASSOCIATES LLC3 Filed as: C&L REED ASSOCIATES LLC | 2911 GLENARDEN DRIVE CHARLESTON, SC 29414 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $86 | $37 | $123 | 0.38% |
| PALMETTO BENEFIT SOLUTIONS LLC3 | 5264 INTERNATIONL BLVD. NORTH CHARLESTON, SC 29418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | $37 | $80 | 0.25% |
| KAITLIN NEVILLE CROWE3 | 1319 OLD MILL LANE MT. PLEASANT, SC 29464 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $39 | $66 | 0.20% |
| CBF BENEFITS INC3 Filed as: CBF BENEFITS INC. | 1309 HIDDEN HARBOR ROAD MYRTLE BEACH, SC 29577 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.13% |
| SUSAN MURPHY3 | 247 SAVANNAH ROUND SUMMERVILLE, SC 29485 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.11% |
| KIMBERELY J. MORGAN3 | 228 APACHE DRIVE SUMMERVILLE, SC 29483 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN LOAFERS SIZE 9 LLC | 78 VICTORIA SQUARE DRIVE HILTON HEAD, SC 29926 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| STERLING CLIFFORD CLIVE3 | 26 HIDDEN LAKES LANE BLUFFTON, SC 29910 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| SAGS JOINT VENTURE3 | 5264 INTERNATIONAL BLVD. NORTH CHARLESTON, SC 29418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| ENDEAVOR INSURANCE SERVICES, INC.3 Filed as: ENDEAVOR INSURANCE SERVICES | 218 TRADE ST., STE. G GREER, SC 29651 | MD VIRTUAL CARE | $10K | — | $10K | 55.86% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF SC EIN 57-0287419 TPA | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $308K |
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 | 108 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 231 | $18K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 112 | $81K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SWISS RE CORPORATION SOLUTIONS AMERICA INSURANCE CORPORATION | 222 | $325K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 221 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.