| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SOUTH CAROLINA | POST OFFICE BOX 198 GREER, SC 29652 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $52K | — | $52K | 4.09% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SC LLC | P.O. BOX 198 GREER, SC 29652 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $10K | — | $10K | 9.92% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 2401 W BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 10.06% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 2401 W BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38K | — | $38K | 67.34% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 2401 W BIG BEAVER RAOD SUITE 400 TROY, MI 48084 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 10.06% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 2401 W BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 10.04% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SC | POST OFFICE BOX 198 GREER, SC 29652 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $1 | — | $1 | 0.01% |
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 | 471 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 471 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 262 | $1.3M |
| Dental | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 281 | $102K |
| Vision | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 262 | $19K |
| Life insurance | CONTINENTAL AMERICAN INSURANCE COMPANY | 203 | $43K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 137 | $73K |
| Long-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 105 | $51K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 262 | $1.3M |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 320 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 320 | — |
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.