| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | POST OFFICE BOX 27149 47 AIRPARK CT. GREENVILLE, SC 29616 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $72K | $0 | $72K | 6.17% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR GREENSBORO, NC 27409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20K | — | $20K | 26.55% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DR LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $6K | $13K | 17.17% |
| TRAN B HUYEN-KEODARA3 | 499 STERLING BROOK DR LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 6.64% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 5.87% |
| PAMELA E JONES3 | 55 SHORELINE DR COLUMBIA, SC 29229 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $556 | $3K | 3.77% |
| PATRICIA L CARON3 | PO BOX 456 TESUQUE, NC 87574 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $822 | $3K | 3.64% |
| ALICE RYAN STRIBLING3 | 511 KILBOURNE ROAD COLUMBIA, SC 29205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $473 | $3K | 3.33% |
| CARIE DEANNE CHANEY3 | 37 W FAIRMONT AVE SAVANNAH, GA 31406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $383 | $2K | 2.21% |
| MICHELLE RENE WALKER3 | 25 DOVERCREEK CIRCLE COLUMBIA, SC 29229 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $64 | $1K | 1.78% |
| SHERRON HOPPER3 | PO BOX 2633 LEXINGTON, SC 29071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $25 | $1K | 1.67% |
| ENROLLEASE3 Filed as: LISA LOWE CLARKE | 4604 KILLIAN CROSSING DR DENVER, NC 28037 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $548 | $7 | $555 | 0.74% |
| BENEFIT COMMUNICATION SPECIALISTS3 | 37 W FAIRMONT AVE SAVANNAH, GA 31406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $355 | $179 | $534 | 0.71% |
| JASON PAUL CAMPBELL3 | 1816 PIEDMONT HILLS PL CHARLOTTE, SC 28217 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $500 | $24 | $524 | 0.70% |
| JAMES M MAYFIELD3 | 1600 MURRAYWOOD CT COLUMBIA, SC 29212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $369 | — | $369 | 0.49% |
| KIMBERLY ANN SHARPE3 | 1 JAHUE CT IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $286 | — | $286 | 0.38% |
| WENDY O LANGSTON3 | 120 LONGWOOD PASS IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $191 | $32 | $223 | 0.30% |
| JENNIFER ODGEN3 | 4344 KENINGSTON RD TALLAHESSEE, FL 32303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $149 | $15 | $164 | 0.22% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | $61 | $157 | 0.21% |
| ROMEO TYRONE GAINEY3 | 1343 PARLIAMENT LAKE DR COLUMBIA, SC 29223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | $45 | $141 | 0.19% |
| BRYCE WILLIAM SMITH3 | 4212 AUDUDON PARK DR CHARLOTTE, NC 28217 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $93 | $8 | $101 | 0.13% |
| GARY LYNN HALLAM3 | PO BOX 29171 COLUMBIA, SC 29229 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | — | $80 | 0.11% |
| SHIRONDA YOUNG3 | 221 CACTUS ST TALLAHASSEE, FL 32302 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $1 | $23 | 0.03% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 27149 GREENVILLE, SC 29616 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 8.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 300 SUMMERS ST STE 650 CHARLESTON, WV 25301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $574 | $574 | 0.96% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 27149 GREENVILLE, SC 29616 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 300 SUMMERS ST STE 650 CHARLESTON, WV 25301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $671 | $671 | 2.11% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 27149 GREENVILLE, SC 29616 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 300 SUMMERS ST STE 650 CHARLESTON, WV 25301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $560 | $560 | 1.78% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 27149 GREENVILLE, SC 29616 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 300 SUMMERS ST STE 650 CHARLESTON, WV 25301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $616 | $616 | 1.99% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 27149 GREENVILLE, SC 29616 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 300 SUMMERS ST STE 650 CHARLESTON, WV 25301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $290 | $290 | 1.92% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 27149 GREENVILLE, SC 29616 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $627 | — | $627 | 10.01% |
| MCGRIFF INSURANCE SERVICES INC3 | 300 SUMMERS ST STE 650 CHARLESTON, WV 25301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $126 | $126 | 2.01% |
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 | 213 | 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) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 106 | $1.2M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $60K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 107 | $15K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $38K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $31K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 69 | $32K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 106 | $1.2M |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 105 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 107 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.