| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 5605 CARNEGIE BLVD STE 300 CHARLOTTE, NC 28209 | HARTFORD LIFE AND ACCIDENT | $19K | $0 | $19K | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $0 | $12K | $12K | 2.47% |
| KIMBERLY J MORGAN3 | 228 APACHE DR SUMMERVILLE, SC 29483 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $32K | $12 | $32K | 8.36% |
| JAMES J PHARES3 | 2307 AZALEE LANE SUMMERVILLE, SC 29483 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $1K | $7K | 1.86% |
| PAUL STANLEY JR3 | 5264 INTERNATIONAL BLVD NORTH CHARLESTON, SC 29418 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $1K | $7K | 1.73% |
| CHRISTINE L COURTNEY3 | 24392 OAKWOOD PARK RD ST MICHAELS, MD 21663 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 1.33% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DR UNIT 203 DANIEL ISLAND, SC 29492 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $1K | $4K | 0.96% |
| GRANDY RANDALL GULLETT3 | PO BOX 60 HATTIEVILLE, AR 72063 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $565 | $2K | 0.53% |
| ROBERT P BARBATI3 Filed as: ROBERT G MURRAY | 1224 WALLEYE COR CHARLESTON, SC 29414 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $177 | $1K | 0.32% |
| ROBERT P BARBATI3 | 1078 N SHADOW DR MT PLEASANT, SC 29464 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 0.31% |
| LAURA LENEE KELLY3 | 4 THOUSAND OAKS CIR CONWAY, AR 72032 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $262 | $0 | $262 | 0.07% |
| JESSIE R CAPLEY3 | 1716 STILLWATER DR COLUMBIA, SC 29212 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $247 | $0 | $247 | 0.07% |
| GINGER MULLINS & COMPANY INC3 | 1 WEATHERSTONE PT LITTLE ROCK, AR 72211 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $191 | $49 | $240 | 0.06% |
| KAITLIN NEVILLE CROWE3 | 1319 OLD MILL LN MT PLEASANT, SC 29464 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $76 | $107 | $183 | 0.05% |
| PALMETTO BENEFIT SOLUTIONS LLC3 | 5264B INTNL BLVD STE 200 NORTH CHALESTON, SC 29418 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $76 | $71 | $147 | 0.04% |
| TANA L MAY3 | PO BOX 455 HARRISON, AR 72602 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $126 | $0 | $126 | 0.03% |
| DELLA LISKO DILLON3 | 103 RIDGELAND DRIVE MAUMELLE, AR 72113 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $113 | $0 | $113 | 0.03% |
| TONI E STEED LLC3 | 11218 WARFIELD AVE HUNTERSVILLE, NC 28078 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $102 | $0 | $102 | 0.03% |
| ERIN WIGGINS3 | 1738 MOHAWK AVE CHARLESTON, SC 29412 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $93 | $0 | $93 | 0.02% |
| BARNETT BENEFITS GROUP INC3 | 101 BARNETT RD LONOKE, AR 72086 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $73 | $0 | $73 | 0.02% |
| WILLIAM T MILLER3 | 2908 OTRANTO RD LOT 48 NORTH CHARLESTON, SC 29406 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $64 | $0 | $64 | 0.02% |
| KYLE HARDING3 | 314 HARDING RD NASHVILLE, AR 71852 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24 | $0 | $24 | 0.01% |
| BARBARA J LAKE3 | 226 N HIGH ST MORRISTOWN, IL 46161 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.00% |
| KIMBERLY J MORGAN3 | 228 APACHE DRIVE SUMMERVILLE, SC 29483 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $1 | $4K | 8.07% |
| PAUL STANLEY JR3 | 5264 INTERNATIONAL BLVD NORTH CHARLESTON, SC 29418 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $704 | $125 | $829 | 1.62% |
| CHRISTINE L COURTNEY3 | 24392 OAKWOOD PARK RD ST MICHAELS, MD 21663 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $623 | $0 | $623 | 1.22% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEMS INC | 145 RIVER LANDING DR UNIT 203 DANIEL ISLAND, SC 29492 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $321 | $94 | $415 | 0.81% |
| JAMES J PHARES3 | 2037 AZALEE LANE SUMMERVILLE, SC 29483 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $294 | $62 | $356 | 0.70% |
| ROBERT P BARBATI3 | 1078 N SHADOW DR MT PLEASANT, SC 29464 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $202 | $0 | $202 | 0.39% |
| LAURA LENEE KELLY3 | 4 THOUSAND OAKS CIR CONWAY, AR 72032 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $101 | $0 | $101 | 0.20% |
| JESSIE R CAPLEY3 | 1716 STILLWATER DR COLUMBIA, SC 29212 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $56 | $0 | $56 | 0.11% |
| TONI E STEED LLC3 | 11218 WARFIELD AVE HUNTERSVILLE, NC 28078 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.04% |
| TANA L MAY3 | PO BOX 455 HARRISON, AR 72602 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.04% |
| BARBARA J LAKE3 | 226 N HIGH ST MORRISTOWN, IN 46161 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.02% |
| KYLE HARDING3 | 314 HARDING RD NASHVILLE, AR 71852 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.02% |
| BARNETT BENEFITS GROUP INC3 Filed as: BARNETT BENEFITS GROUP INS | 101 BARNETT RD LONOKE, AR 72086 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.01% |
| GAIL D GOODEN CORP3 | 60 SPRING TRAIL CT SAINT CHARLES, MO 63303 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.01% |
| DELLA LISKO DILLON3 | 103 RIDGELAND DRIVE MAUMELLE, AR 72113 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.01% |
| ERIN WIGGINS3 | 1738 MOHAWK AVE CHARLESTON, SC 29412 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| GINGER MULLINS & COMPANY INC3 | 1 WEATHERSTONE PT LITTLE ROCK, AR 72211 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| GRANDY RANDALL GULLETT3 | PO BOX 60 HATTIEVILLE, AR 72032 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| JASON BRINK3 Filed as: JASON JAMES BRINK | 1931 LAKEHURST DR SAINT LOUIS, MO 63146 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 5605 CARNEGIE BLVD SUITE 300 CHARLOTTE, NC 28209 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $0 | $484 | $484 | 2.26% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWER WATSON | INSURANCE SERVICES WEST STE 800 801 S FIGUEROA STREET LOS ANGELES, CA 90017 | HARTFORD LIFE AND ACCIDENT | $0 | -$9 | -$9 | -0.04% |
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 | 472 | 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) | 473 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 1,013 | $354K |
| Vision(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 436 | $50K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 472 | $860K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 472 | $481K |
| Other(4 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 492 | $933K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,013 | — |
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.