| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN M. ADAIR3 | 218 TRADE ST., STE. G GREER, SC 29651 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $58K | — | $58K | 3.29% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SOUTH CAROLINA | P.O. BOX 198 GREER, SC 29652 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $48K | $13K | $61K | 10.81% |
| PHILLIP GOODRUM3 | 131 HILLSIDE AVE. CHARLOTTE, NC 28209 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25K | — | $25K | 4.50% |
| BENETEK CORPORATION3 | 4275 WEST SAND LAKE ROAD ORLANDO, FL 32819 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 0.71% |
| PHILLIP GOODRUM3 | 4400 PARK RD., STE. 307 CHARLOTTE, NC 28209 | KEMPER BENEFITS | $207K | — | $207K | 62.34% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SC LLC | 218 TRADE ST., STE. G GREER, SC 29651 | KEMPER BENEFITS | $74K | — | $74K | 22.27% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE REINSURANCE GROUP, INC. | — | KEMPER BENEFITS | $54K | — | $54K | 16.15% |
| JOHN M. ADAIR3 Filed as: JOHN ADAIR | 218 TRADE STREET, SUITE G GREER, SC 29651 | KEMPER BENEFITS | $9K | — | $9K | 2.63% |
| PHILLIP GOODRUM3 | 131 HILLSIDE AVE. CHARLOTTE, NC 28209 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $137K | — | $137K | 49.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SOUTH CAROLINA | P.O. BOX 198 GREER, SC 29652 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $59K | — | $59K | 21.00% |
| ELIZABETH A SCHENK3 Filed as: ELIZABETH A. SCHENK | 4275 WEST SAND LAKE RD., STE. 300 ORLANDO, FL 32819 | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $59K | $59K | 32.22% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SOUTH CAROLINA | 218 TRADE ST., STE. G GREER, SC 29651 | AMERICAN UNITED LIFE INSURANCE COMPANY | $27K | — | $27K | 14.51% |
| PHILLIP GOODRUM3 | 131 HILLSIDE AVE. CHARLOTTE, NC 28209 | AMERICAN UNITED LIFE INSURANCE COMPANY | $4K | — | $4K | 2.42% |
| EBA AND M CORPORATION5 Filed as: EBA&M | 3505 CADILLAC AVE., 0-201 COSTA MESA, CA 92626 | EBA&M | $3K | — | $3K | 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 | 3,016 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,020 | 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 | 324 | $1.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,291 | $561K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,291 | $561K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 3,016 | $185K |
| Short-term disability | KEMPER BENEFITS | 824 | $332K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 3,016 | $745K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 324 | $1.8M |
| Other(5 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 3,016 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,016 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.