| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SOUTH CAROLINA | PO BOX 198 GREER, SC 29652 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $33K | $0 | $33K | 4.12% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF S. CAROLINA, LLC | 218 TRADE STREET, SUITE G GREER, SC 29651 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $2K | $11K | 12.85% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $958 | $5K | 6.12% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF S. CAROLINA, LLC | 218 TRADE STREET, SUITE G GREER, SC 29651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 7.18% |
| PAUL STANLEY JR3 Filed as: PAUL STANLEY, JR. | 5264 INTERNATIONAL BOULEVARD NORTH CHARLESTON, SC 29418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $244 | $2K | 5.29% |
| CHRISTINE L COURTNEY3 Filed as: CHRISTINE L COURTNEY & OTHER AGENTS | 333 WEEKSRIDGE LANE MONCKS CORNER, SC 29461 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $31 | $1K | 3.26% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM, INC. | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $289 | $150 | $439 | 1.31% |
| KIMBERLY J MORGAN3 Filed as: KIMBERLY J. MORGAN | 228 APACHE DRIVE SUMMERVILLE, SC 29483 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $426 | $0 | $426 | 1.27% |
| BETH JOAN MITCHELL3 | 5264 INTERNATIONAL BOULEVARD NORTH CHARLESTON, SC 29418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $260 | $40 | $300 | 0.89% |
| WILLIAM T MILLER3 Filed as: WILLIAM T. MILLER | 2908 OTRANTO ROAD NORTH CHARLESTON, SC 29406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $249 | $38 | $287 | 0.85% |
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 | 152 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 139 | $807K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 196 | $83K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 196 | $83K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 196 | $83K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 30 | $34K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 139 | $807K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 196 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.