| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PARRISH & GWINN INSURANCE GROUP LLC3 | 817 CALHOUN STREET COLUMBIA, SC 29201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.00% |
| CALDWELL TRUST COMPANY3 | 200 PALMETTO HALL CT LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 7.15% |
| FULCRUM RISK SOLUTIONS3 | 132 WESTPARK BLVD COLUMBIA, SC 29210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $117 | $3K | 6.32% |
| THE CLARK GROUP OF SC3 | 898 ROPER ROAD LAURENS, SC 29360 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $996 | $1K | $2K | 3.74% |
| SHERRON HOPPER3 | 216 WHISPERING MEADOW LANE IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $21 | $1K | 2.29% |
| PAMELA E JONES3 | 55 SHORELINE DR COLUMBIA, SC 29229 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $908 | $253 | $1K | 2.13% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $406 | $457 | $863 | 1.58% |
| ALICE RYAN STRIBLING3 | 511 KILBOURNE ROAD COLUMBIA, SC 29205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $671 | $164 | $835 | 1.53% |
| TRAN B HUYEN-KEODARA3 | 499 STERLING BROOK DR LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $603 | $124 | $727 | 1.33% |
| BROOKE HARMON3 | 70 HENRY LIVINGSTON ROAD POMARIA, SC 29126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $336 | $162 | $498 | 0.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF SOUTH CAROLINA | 1600 ST JULIAN PLACE COLUMBIA, SC 29204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $139 | $0 | $139 | 0.25% |
| BENEFIT CONTROLS OF MIDLANDS3 | 111 EXECUTIVE CENTER DRIVE COLUMBIA, SC 29210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $131 | $0 | $131 | 0.24% |
| SANDRA J RUNION3 | 104 SIR EDWARDS LANE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | $0 | $72 | 0.13% |
| JASON PAUL CAMPBELL3 | 1816 PIEDMONT HILLS PL CHARLOTTE, NC 28217 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | $10 | $64 | 0.12% |
| KIMBERLY ANN SHARPE3 | 1 JAHUE COURT IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | $3 | $48 | 0.09% |
| CAROLINA REGIONAL INSURANCE3 | PO BOX 8808 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $0 | $27 | 0.05% |
| THE ADAMSON GROUP INC3 | 344 SUMMERSET DRIVE CHAPIN, SC 29036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $0 | $22 | 0.04% |
| TERRY J SILVERS3 Filed as: TERRY D GARRETT | 459 RUNNING FOX ROAD WEST COLUMBIA, SC 29223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.03% |
| SANDUSKY INC3 | PO BOX 1470 LEXINGTON, SC 29071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.02% |
| KAY BARNES CRAPPS3 | 147 STERLING LAKE DRIVE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.01% |
| PALMETTO BENEFIT SOLUTIONS LLC3 | 5264B INTERNATIONAL BLVD NORTH CHARLESTON, SC 29418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.01% |
| BRYCE WILLIAM SMITH3 | 4212 AUDUBON PARK DRIVE CHARLOTTE, NC 28217 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $1 | $5 | 0.01% |
| ROBIN L HARRIS3 | 133 SANDSTONE ROAD COLUMBIA, SC 29212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.01% |
| H LEE SMITH3 | PO BOX 8808 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.01% |
| KAREN TOBIAS3 | 1366 DUNRAVEN DRIVE MURFREEBORO, TN 37128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.01% |
| JACKIE SMALLS3 | 305 WESTBROOKR WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| ENROLLEASE3 Filed as: LISA LOWE CLARKE | 4604 KILLIAN CROSSING DR DENVER, NC 28037 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| MAYNARD BENEFITS GRP INC3 Filed as: MAYNARD BENEFITS GROUP INC | 3701 ON DECK CIRCLE LITTLE RIVER, SC 29566 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| PARRISH & GWINN INSURANCE GROUP LLC3 | 817 CALHOUN STREET COLUMBIA, SC 29201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| PARRISH & GWINN INSURANCE GROUP LLC3 | 817 CALHOUN STREET COLUMBIA, SC 29201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| PARRISH & GWINN INSURANCE GROUP LLC3 | 817 CALHOUN STREET COLUMBIA, SC 29201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $703 | $0 | $703 | 15.01% |
| PARRISH & GWINN INSURANCE GROUP LLC3 | 817 CALHOUN STREET COLUMBIA, SC 29201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $172 | $0 | $172 | 9.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PLANNED ADMINISTRATORS, INC EIN 57-0718839 TPA ADMIN FEES | Claims processing Service code 12 | — | $43K |
| BLUE CROSS BLUE SHIELD OF SC EIN 57-0287419 PPO UTIL/HTH MGMT | Claims processing Service code 12 | — | $0 |
| FIRST HEALTH EIN 20-1736437 PPO NETWORK FEES | Claims processing Service code 12 | — | $0 |
| MEDCOST EIN 56-1999192 PPO NETWORK FEES | Claims processing Service code 12 | — | $0 |
| PARRISH & GWINN INSURANCE GROUP LLC EIN 27-0849651 BROKER | Insurance agents and brokers Service code 22 | — | $0 |
| TELADOC EIN 04-3705970 MANAGED CARE PROGRAMS | Claims processing Service code 12 | — | $0 |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 90 | $57K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $2K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 71 | $33K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $32K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE CO. | 89 | $299K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 120 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.