| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN M. ADAIR3 | 218 TRADE STREET SUITE G GREER, SC 29651 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $71K | — | $71K | 4.22% |
| PHILLIP GOODRUM3 | 131 HILLSIDE AVENUE CHARLOTTE, NC 28209 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $120K | — | $120K | 20.03% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SC | PO BOX 198 GREER, SC 29652 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $78K | $4K | $83K | 13.82% |
| BENETEK CORPORATION3 | 4275 WEST SAND LAKE ROAD ORLANDO, FL 32819 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23K | — | $23K | 3.92% |
| ENDEAVOR INSURANCE SERVICES, INC.3 Filed as: ENDEAVOR INSURANCE SERVICES | 218 TRADE ST SUITE G GREER, SC 29651 | AMERICAN UNITED LIFE INSURANCE COMPANY | $35K | — | $35K | 11.78% |
| ELIZABETH A SCHENK3 | 4275 WEST SAND LAKE ROAD STE 300 ORLANDO, FL 32819 | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $31K | $31K | 10.47% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SC LLC | 218 TRADE STREET SUITE G GREER, SC 29651 | AMERICAN UNITED LIFE INSURANCE COMPANY | $16K | — | $16K | 5.48% |
| PHILLIP GOODRUM3 | 131 HILLSIDE AVENUE CHARLOTTE, NC 28209 | AMERICAN UNITED LIFE INSURANCE COMPANY | $11K | — | $11K | 3.63% |
| EBA AND M CORPORATION5 Filed as: EBA&M | 3505 CADILLAC AVENUE 0-201 COSTA MESA, CA 92626 | EBA&M | $4K | — | $4K | 5.00% |
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 | 2,976 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,982 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 457 | $1.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,278 | $599K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,278 | $599K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 2,976 | $295K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 2,976 | $295K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 2,976 | $295K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 457 | $1.7M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,976 | $971K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,976 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.