| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SOUTH CAROLINA | ENDEAVOUR INSURANCE SERVICES POST OFFICE BOX 198 GREER, SC 29652 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $123K | — | $123K | 3.76% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUPOF SOUTH CAROLINA LLC | DBA ENDEAVOR INSURANCE SERVICES GREER, SC 29651 | DELTA DENTAL OF MISSOURI | $23K | — | $23K | 7.26% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | DELTA DENTAL OF MISSOURI | $6K | — | $6K | 1.93% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | DELTA DENTAL OF MISSOURI | $0 | $629 | $629 | 0.20% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SOUTH CAROLINA | LLC PO BOX 198 GREER, SC 29652 | SUN LIFE ASSURANCE COMPANY OF CANADA | $36K | — | $36K | 12.51% |
| STHEALTH BENEFIT SOLUTIONS LLC3 | DBA STEALTH PARTNER GROUP 18940 N PIMA ROAD, SUITE 210 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | $6K | $22K | 7.50% |
| THE BENEFIT COMPANY INC3 | P O BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20K | — | $20K | 29.75% |
| ENDEAVOR INSURANCE SERVICES, INC.3 Filed as: ENDEAVOR EMPLOYER SERVICES, INC. | PO BOX 198 GREER, SC 296520198 | VISION SERVICE PLAN | $2K | — | $2K | 3.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF MISSOURI EIN 43-0908349 NONE | Contract Administrator; Claims processing Service code 12 | — | $280K |
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 | 711 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 712 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 545 | $3.3M |
| Dental | DELTA DENTAL OF MISSOURI | 963 | $313K |
| Vision | VISION SERVICE PLAN | 532 | $64K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 708 | $287K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 708 | $287K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 708 | $287K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 545 | $3.3M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 708 | $353K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 963 | — |
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.
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.