| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF SOUTH CAROLINA | P.O. BOX 198 GREER, SC 29652 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $59K | — | $59K | 3.98% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF SOUTH CAROLINA | P.O. BOX 198 GREER, SC 29652 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $3K | — | $3K | 5.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF SOUTH CAROLINA | P.O. BOX 198 GREER, SC 29652 | COMPANION LIFE INSURANCE COMPANY | $1K | — | $1K | 12.96% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS SC | 1301 GERVAIS ST., STE. 900 COLUMBIA, SC 29201 | COMPANION LIFE INSURANCE COMPANY | $739 | — | $739 | 8.41% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 10 NORTH PARK DR., STE. 200 HUNT VALLEY, MD 21030 | COMPANION LIFE INSURANCE COMPANY | $340 | — | $340 | 3.87% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 144 | $1.5M |
| Dental | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 108 | $53K |
| Vision | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 144 | $11K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 135 | $9K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 144 | $1.5M |
| Other | COMPANION LIFE INSURANCE COMPANY | 135 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.