| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCLAUGHLIN & SMOAK LLC3 | 710 JOHNNIE DODDS BOULEVARD SUITE 100 MOUNT PLEASANT, SC 29464 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $31K | — | $31K | 3.28% |
| MCLAUGHLIN & SMOAK LLC3 Filed as: MCLAUGHLIN & SMOAK, LLC | 710 JOHNNIE DODDS BOULEVARD MOUNT PLEASANT, SC 29464 | DELTA DENTAL OF MISSOURI | $7K | — | $7K | 9.21% |
| MCLAUGHLIN & SMOAK LLC3 | 710 JOHNNIE DODDS BOULEVARD MOUNT PLEASANT, SC 29464 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $3K | $11K | 15.05% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 5.37% |
| PAMELA E JONES3 | 55 SHORELINE DRIVE COLUMBIA, SC 29229 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $519 | $2K | 2.92% |
| GRAEM M CLARK3 | 589 WINDMERE DRIVE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $984 | $2K | 2.81% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DRIVE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $428 | $2K | 2.41% |
| TRAN B HUYEN-KEODARA3 | 115 BENDING OAK COURT LEXINGTON, SC 29073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $428 | $2K | 2.41% |
| ADVANCED BENEFIT SYSTEM INC3 | 1301 GERVAIS STREET COLUMBIA, SC 29201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $631 | $523 | $1K | 1.53% |
| KAY BARNES CRAPPS3 | 147 STERLING LAKE DRIVE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $711 | $12 | $723 | 0.96% |
| LAURA MCCLUNG PLYLER3 | 403 EAST MAIN STREET UNIT C-1 LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $559 | $61 | $620 | 0.82% |
| EDWIN DURANT SPRADLEY3 | 1450 OLD SWAMP ROAD SWANSEA, SC 29160 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $601 | $7 | $608 | 0.80% |
| CAROLINA REGIONAL INSURANCE3 | P.O. BOX 8808 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $416 | — | $416 | 0.55% |
| KIMBERLY A ELSEY3 | 1 JAHUE COURT IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $146 | $210 | $356 | 0.47% |
| BRYCE WILLIAM SMITH3 | 6109 ANSLEY FALLS DRIVE CHARLOTTE, NC 28217 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| CAROLYN GROVER3 | 206 FOX CHAPEL DRIVE IRMO, SC 29073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| MCLAUGHLIN & SMOAK LLC3 | 710 JOHNNIE DODDS BLVD MOUNT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $483 | $4K | 11.38% |
| MCLAUGHLIN & SMOAK LLC3 | 710 JOHNNIE DODDS BLVD SUITE 100 MOUNT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 18.38% |
| MCLAUGHLIN & SMOAK LLC3 | 710 JOHNNIE DODDS BLVD SUITE 100 MOUNT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $638 | $3K | 12.62% |
| MCLAUGHLIN & SMOAK LLC3 | 710 JOHNNIE DODDS BOULEVARD SUITE 100 MOUNT PLEASANT, SC 29464 | PHYSICIANS EYECARE PLAN | — | $2K | $2K | 10.00% |
| MCLAUGHLIN & SMOAK LLC3 | 710 JOHNNIE DODDS BLVD SUITE 100 MOUNT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $709 | $3K | $3K | 48.05% |
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 | 222 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 121 | $936K |
| Dental | DELTA DENTAL OF MISSOURI | 225 | $81K |
| Vision | PHYSICIANS EYECARE PLAN | 109 | $18K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 212 | $7K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 92 | $24K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 74 | $39K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 121 | $936K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 212 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.