| 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 | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | $27K | $0 | $27K | 2.84% |
| USI INSURANCE SERVICES LLC3 | 176 CROGHAN SPUR ROAD, SUITE 300 CHARLESTON, SC 29407 | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | $12K | $0 | $12K | 1.32% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SOUTH CAROLINA | PO BOX 198 GREER, SC 29652 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 10.78% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 7.11% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 7.38% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SOUTH CAROLINA | PO BOX 198 GREER, SC 29651 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 6.12% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.72% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SOUTH CAROLINA | 218 TRADE STREET, SUITE G GREER, SC 29651 | METROPOLITAN LIFE INSURANCE COMPANY | $172 | $0 | $172 | 0.27% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SOUTH CAROLINA | 218 TRADE STREET GREER, SC 29651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $104 | $1K | 6.54% |
| PAUL STANLEY JR3 Filed as: PAUL STANLEY, JR. | 5264 INTERNATIONAL BOULEVARD NORTH CHARLESTON, SC 29418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $774 | $190 | $964 | 4.29% |
| JAMES J PHARES3 Filed as: JAMES J. PHARES AND OTHER AGENTS | 2037 AZALEE LANE SUMMERVILLE, SC 29483 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $639 | $37 | $676 | 3.01% |
| ROBERT P BARBATI3 Filed as: ROBERT P. BARBATI | 1078 NORTH SHADOW DRIVE MOUNT PLEASANT, SC 29464 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $297 | $0 | $297 | 1.32% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM, INC. | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $132 | $74 | $206 | 0.92% |
| CHRISTINA MARIE NORTHRUP3 | 4215 CHANNEL MARKER WAY HANAHAN, SC 29410 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | $39 | $133 | 0.59% |
| LANDA & LANDA LLC3 Filed as: LANDA & LANDA, LLC | 367 BUMBLE WAY SUMMERVILLE, SC 29485 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $120 | $0 | $120 | 0.53% |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 151 | $945K |
| Dental(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 225 | $133K |
| Vision(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 225 | $133K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 225 | $133K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 21 | $22K |
| Prescription drug | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 151 | $945K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 225 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.