| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT L GOBLE5 Filed as: ROBERT HARLING | 1 ISBELL CT GREENVILLE, SC 29607 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $68K | $68K | 8.69% |
| CONSOLIDATED PLANNING HOLDINGS3 | 3 MONGIN WAY OKATIE, SC 29909 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $25K | $25K | 3.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT SOURCE, INC NONE | Other services; Claims processing; Direct payment from the plan; Plan Administrator Service code 12 | 304 RIDGELAND DR GREENVILLE, SC 29601 | $687K |
| NEEDLES & ASSOCIATES, LLC. EIN 51-0435869 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $54K |
| ROBEIN, URANN, SPENCER, PICARD & CA EIN 72-0999672 NONE | Legal; Direct payment from the plan Service code 29 | — | $10K |
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 | 954 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 954 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,156 | $778K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,156 | $778K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,156 | $778K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,156 | $778K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,156 | $778K |
| Stop-loss / reinsurancereinsurance | GREAT MIDWEST INSURANCE COMPANY- SKYWARD INSURANCE | 831 | $732K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,156 | $778K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,156 | — |
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.