| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF SOUTH CAROLINA | PO BOX 198 GREER, SC 29652 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $74K | — | $74K | 2.93% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF SOUTH CAROLINA | PO BOX 198 GREER, SC 29652 | COMPANION LIFE INSURANCE COMPANY | $20K | — | $20K | 9.91% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF SOUTH CAROLINA | PO BOX 198 GREER, SC 29652 | HARTFORD LIFE AND ACCIDENT | $23K | $7K | $30K | 19.85% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF SOUTH CAROLINA | PO BOX 198 GREER, SC 29652 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | $2K | $13K | 19.61% |
| JAMES J PHARES3 | 2037 AZALEE LN. SUMMERVILLE, SC 29483 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 7.20% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM INC. | 145 RIVER LANDING DR., UNIT 203 DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $601 | $428 | $1K | 1.53% |
| SAGS JOINT VENTURE3 | 5264 INTERNATIONAL BLVD., STE. 200B NORTH CHARLESTON, SC 29418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $753 | — | $753 | 1.12% |
| CHRISTINE MARIE NORTHUP3 | 333 SAVANNAH RIVER DR. SUMMERVILLE, SC 29485 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $325 | — | $325 | 0.48% |
| PALMETTO BENEFIT SOLUTIONS LLC3 | 5264B INTERNTATIONAL BLVD. STE. 200 NORTH CHARLESTON, SC 29418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | $110 | $166 | 0.25% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | 510 N TRADE ST STE 302 WINSTON SALEM, NC 86231 | TRANSAMERICA LIFE INSURANCE COMPANY | $28K | — | $28K | 74.38% |
| COMPASS ENROLLMENT PARTNERS, LLC3 | 1600 PLEASANT RIDGE RD. STATE ROAD, NC 28676 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | — | $6K | 17.37% |
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 | 202 | 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) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 254 | $2.5M |
| Dental | COMPANION LIFE INSURANCE COMPANY | 192 | $203K |
| Vision | COMPANION LIFE INSURANCE COMPANY | 192 | $203K |
| Life insurance(3 contracts, 3 carriers) | COMPANION LIFE INSURANCE COMPANY | 202 | $391K |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 192 | $203K |
| Long-term disability(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 202 | $354K |
| Other(3 contracts, 3 carriers) | COMPANION LIFE INSURANCE COMPANY | 202 | $421K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.