| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCLAUGHLIN & SMOAK LLC3 | 710 JOHNNIE DODDS BOULEVARD SUITE 102 MOUNT PLEASANT, SC 29464 | AETNA HEALTH, INC. | — | $9K | $9K | 1.04% |
| MCLAUGHLIN & SMOAK LLC3 | 710 JOHNIE DODDS BOULEVARD MOUNT PLEASANT, SC 29464 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | — | $9K | 11.16% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $3K | $6K | 7.97% |
| THE CLARK GROUP OF SC3 Filed as: THE CLARK GROUP OF SOUTH CAROLINA | 589 WINDMERE DRIVE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 5.36% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 710 JOHNNIE DODDS BOULEVARD MOUNT PLEASANT, SC 29464 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $937 | $3K | 3.25% |
| JESSIE R CAPLEY3 | 1716 STILWATER DRIVE COLUMBIA, SC 29212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $240 | $2K | 2.39% |
| PAMELA E JONES3 | 55 SHORELINE DRIVE COLUMBIA, SC 29229 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $285 | $2K | 2.07% |
| ADVANCED BENEFIT SYSTEM INC3 | 245 SEVEN FARMS DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $691 | $687 | $1K | 1.73% |
| CAROLYN GROVER3 | 206 FOX CHAPEL DRIVE IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $844 | $122 | $966 | 1.21% |
| LAURA MCCLUNG PLYLER3 | 201 CAUGHMAN FARM ROAD LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $697 | $121 | $818 | 1.03% |
| KAY BARNES CRAPPS3 | 147 STERLING LAKE DRIVE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $415 | $7 | $422 | 0.53% |
| MICHELLE RENE WALKER3 | 25 DOVECREEK CIRCLE COLUMBIA, SC 29229 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $309 | $19 | $328 | 0.41% |
| CAROLINA REGIONAL INSURANCE3 | PO BOX 8808 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $245 | — | $245 | 0.31% |
| TRAN B HUYEN-KEODARA3 | 115 BENDING OAK COURT LEXINGTON, SC 29073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $221 | $13 | $234 | 0.29% |
| HOBART BRADLEY MCCOLLUM3 | 1479 FIRE TOWER ROAD PROSPERITY, SC 29127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $125 | — | $125 | 0.16% |
| EDWIN DURANT SPRADLEY3 | 1450 OLD SWAMP ROAD SWANSEA, SC 29160 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $104 | $2 | $106 | 0.13% |
| CRAIG WAYNE SOTTILE3 Filed as: CRAIG WAYNE SOTILE | 408 CEDAR PINES DRIVE GREENVILLE, SC 29615 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | $31 | $94 | 0.12% |
| KIMBERLY ANN SHARPE3 | 1 JAHUE COURT IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $29 | $59 | 0.07% |
| CAROL BARNES3 | 2561 FALCON RIDGE DRIVE GRAYSON, GA 30017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | $5 | $41 | 0.05% |
| ROMEO TYRONE GAINEY3 | 1343 PARLIAMENT LAKE DRIVE COLUMBIA, SC 29223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $1 | $24 | 0.03% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $4 | $9 | 0.01% |
| BRYCE WILLIAM SMITH3 | 6109 ANSLEY FALLS DRIVE CHARLOTTE, NC 28217 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| SANDUSKY INC3 | PO BOX 1470 LEXINGTON, SC 29071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MCLAUGHLIN & SMOAK LLC3 Filed as: MCLAUGHLIN & SMOAK, LLC | 710 JOHNNIE DODDS BOULEVARD MOUNT PLEASANT, SC 29464 | DELTA DENTAL OF MISSOURI | $7K | — | $7K | 8.40% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 1901 ROXBOROUGH ROAD CHARLOTTE, NC 28211 | DELTA DENTAL OF MISSOURI | $652 | — | $652 | 0.84% |
| MCLAUGHLIN & SMOAK LLC3 | 710 JOHNNIE DODDS BLVD MOUNT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 13.37% |
| MCLAUGHLIN & SMOAK LLC3 | 710 JOHNNIE DODDS BLVD SUITE 100 MOUNT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $5K | 13.98% |
| MCLAUGHLIN & SMOAK LLC3 | 710 JOHNNIE DODDS BLVD SUITE 100 MOUNT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 22.05% |
| MCLAUGHLIN & SMOAK LLC3 | 710 JOHNNIE DODDS BOULEVARD SUITE 100 MOUNT PLEASANT, SC 29464 | PHYSICIANS EYECARE PLAN | — | $2K | $2K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP | 710 JOHNNIE DODDS BOULEVARD SUITE 100 MT. PLEASANT, SC 29464 | EDOCHOME | — | $2K | $2K | 21.05% |
| MCLAUGHLIN & SMOAK LLC3 | 710 JOHNNIE DODDS BLVD SUITE 100 MOUNT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $684 | $3K | $3K | 50.59% |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA HEALTH, INC. | 217 | $865K |
| Dental | DELTA DENTAL OF MISSOURI | 219 | $78K |
| Vision | PHYSICIANS EYECARE PLAN | 180 | $18K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 222 | $37K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $33K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 91 | $44K |
| Prescription drug | AETNA HEALTH, INC. | 217 | $865K |
| Other(4 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 222 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.