| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCLAUGHLIN & SMOAK LLC3 | 710 JOHNNIE DODDS BOULEVARD SUITE 100 MT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 6.30% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HIGHWAY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $800 | $800 | 0.94% |
| MCLAUGHLIN & SMOAK LLC3 | 710 JOHNNIE DODDS BOULEVARD SUITE 100 MT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 6.14% |
| NFP INSURANCE SERVICES INC3 | 125 S CAPITAL OF TEXAS HIGHWAY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $725 | $725 | 0.95% |
| MCLAUGHLIN & SMOAK LLC3 | 710 JOHNNIE DODDS BOULEVARD SUITE 100 MT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 5.83% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HIGHWAY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $579 | $579 | 0.77% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $565 | $212 | $777 | 4.42% |
| CHRISTOPHER MICHAEL SHEALY3 Filed as: CHRISTOPHER M SHEALY | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $702 | — | $702 | 4.00% |
| LORENZO REYES3 | 126 PIONEER TRAIL MARIETTA, GA 30068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $95 | $591 | $686 | 3.91% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 710 JONNIE DODDS BOULEVARD MT PLEASANT, SC 29464 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $344 | $1 | $345 | 1.96% |
| MARGARET GAIL MANN3 | 1740 VILLA MAISON MT PLEASANT, SC 29464 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $288 | — | $288 | 1.64% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DRIVE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $209 | — | $209 | 1.19% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $102 | $48 | $150 | 0.85% |
| TRAN B HUYEN-KEODARA3 | 115 BENDING OAK COURT LEXINGTON, SC 29073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $128 | — | $128 | 0.73% |
| PALMETTO BENEFIT SOLUTIONS LLC3 | 735 COLEMAN BOULEVARD APT 313 MOUNT PLEASANT, SC 29464 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | $79 | $122 | 0.69% |
| LAURA MCCLUNG PLYLER3 | 547 BIMINI TWIST CIRCLE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $92 | $4 | $96 | 0.55% |
| PAMELA E JONES3 | 55 SHORELINE DRIVE COLUMBIA, SC 29229 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | — | $75 | 0.43% |
| RJK & ASSOCIATES INC3 | 1800 PEACHTREE STREET NW ATLANTA, GA 30309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $26 | $40 | 0.23% |
| EDWIN DURANT SPRADLEY3 | 1450 OLD SWAMP ROAD SWANSEA, SC 29160 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.13% |
| TIMOTHY J REED3 | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.09% |
| MCLAUGHLIN & SMOAK LLC3 | 710 JOHNNIE DODDS BOULEVARD SUITE 100 MT PLEASANT, SC 29464 | EDOCHOME | — | $2K | $2K | 20.00% |
| CHRISTOPHER MICHAEL SHEALY3 Filed as: CHRISTOPHER M SHEALY | 215 HOGAN WAY LEXINGTON, SC 29072 | THE PAUL REVERE LIFE INSURANCE COMPANY | $160 | — | $160 | 3.48% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | THE PAUL REVERE LIFE INSURANCE COMPANY | $109 | — | $109 | 2.37% |
| TRACI NORWOOD3 | 104 AUDUBON OAKS WAY IRMO, SC 29063 | THE PAUL REVERE LIFE INSURANCE COMPANY | $68 | — | $68 | 1.48% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DRIVE LEXINGTON, SC 29072 | THE PAUL REVERE LIFE INSURANCE COMPANY | $45 | — | $45 | 0.98% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | THE PAUL REVERE LIFE INSURANCE COMPANY | $20 | — | $20 | 0.43% |
| LAURA MCCLUNG PLYLER3 | 547 BIMINI TWIST CIRCLE LEXINGTON, SC 29072 | THE PAUL REVERE LIFE INSURANCE COMPANY | $18 | — | $18 | 0.39% |
| CAROLYN GROVER3 | 206 FOX CHAPEL DRIVE IRMO, SC 29063 | THE PAUL REVERE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.20% |
| TIMOTHY J REED3 | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.11% |
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 | 125 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 247 | $13K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 453 | $160K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 31 | $22K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 333 | $77K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 128 | $2.1M |
| Other(5 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 453 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 453 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.