| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | — | BLUECHOICE HEALTHPLAN | $38K | — | $38K | 4.03% |
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS LLC | PO BOX 5670 COLUMBIA, SC 29250 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 9.86% |
| RSC INSURANCE BROKERAGE INC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 4.16% |
| THE BENEFIT COMPANY INC3 | 3800 FERNANDINA RD STE 200 COLUMBIA, SC 29221 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.25% |
| ENROLLEASE3 Filed as: CLARKE AND CO BENEFITS LLC | 2422 DEVINE STREET PO BOX 5672 COLUMBIA, SC 29205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 7.48% |
| WEBSTER GIBSON3 | 443 MEADORS ROAD FLORENCE, SC 29501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.08% |
| MIRANDA D HINDS3 | 3974 W LAKE OAKDALE DR FLORENCE, SC 29501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.08% |
| ANDREW ARTHUR INC3 | 103 CHASE STREET SUITE C FLORENCE, SC 29501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $942 | — | $942 | 2.87% |
| CATHERINE D JAMES3 Filed as: CATHERINE G JAMES | 4531 MEADOWOOD ROAD COLUMBIA, SC 29206 | CONTINENTAL AMERICAN INSURANCE COMPANY | $697 | — | $697 | 2.12% |
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS, LLC | 122 S IRBY STREET FLORENCE, SC 29501 | PHYSICIANS EYECARE PLAN | $841 | — | $841 | 10.00% |
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 | 139 | 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) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECHOICE HEALTHPLAN | 101 | $951K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $105K |
| Vision | PHYSICIANS EYECARE PLAN | 113 | $8K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $105K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $105K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $105K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.