| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLARK & CO BENEFITS LLC3 Filed as: CLARK & COMPANY BENEFITS, LLC | 2422 DEVINE STREET SUITE B COLUMBIA, SC 29250 | BCBS OF SC | $63K | — | $63K | 3.62% |
| ENROLLEASE Filed as: CLARKE & COMPANY BENEFITS LLC | 2422 DEVINE STREET STE B COLUMBIA, SC 29205 | SUN LIFE ASSURANCE COMPANY OF CANADA | $34K | — | $34K | 11.67% |
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 | 176 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCBS OF SC | 141 | $1.7M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 176 | $289K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 176 | $289K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 176 | $289K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 176 | $289K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 176 | $289K |
| Prescription drug | BCBS OF SC | 141 | $1.7M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 176 | $289K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.