| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS LLC | POST OFFICE BOX 5672 COLUMBIA, SC 29250 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $38K | — | $38K | 4.78% |
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS LLC | PO BOX 5672 COLUMBIA, SC 29250 | METROPOLITAN LIFE INSURANCE OCMPANY | $7K | — | $7K | 11.12% |
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS LLC | 2422 DEVINE STREET SUITE B COLUMBIA, SC 29205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $812 | $5K | 17.84% |
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS LLC | 2422 DEVINE STREET SUITE B COLUMBIA, SC 29205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $687 | $5K | 17.70% |
| ENROLLEASE3 Filed as: CLARKE & CO. BENEFITS | PO BOX 5672 COLUMBIA, SC 29250 | VISION SERVICE PLAN | $916 | — | $916 | 5.70% |
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS LLC | 2422 DEVINE STREET SUITE B COLUMBIA, SC 29205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $400 | $2K | 18.00% |
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS LLC | 2422 DEVINE STREET SUITE B COLUMBIA, SC 29205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $469 | $2K | 19.88% |
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 | 103 | 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) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 80 | $797K |
| Dental | METROPOLITAN LIFE INSURANCE OCMPANY | 233 | $67K |
| Vision | VISION SERVICE PLAN | 93 | $16K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $25K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 17 | $10K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $29K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 80 | $797K |
| Other(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 115 | $835K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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.