| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS LLC | PO BOX 5672 COLUMBIA, SC 29250 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28K | — | $28K | 15.00% |
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS LLC | PO BOX 5672 COLUMBIA, SC 29250 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 6.78% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION | 4400 PARK RD STE 307 CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $785 | $19K | 32.60% |
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS LLC | PO BOX 5672 COLUMBIA, SC 29250 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 19.15% |
| ENROLLEASE3 Filed as: CLARKE AND COMPANY BENEFITS, LLC | 2422 DEVINE STREET, SUITE B COLUMBIA, SC 29205 | PHYSICIANS EYECARE PLAN | — | $4K | $4K | 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 | 315 | 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) | 315 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 203 | $2.5M |
| Dental | DELTA DENTAL OF MISSOURI | 461 | $151K |
| Vision | PHYSICIANS EYECARE PLAN | 398 | $41K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 280 | $187K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 232 | $144K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 232 | $144K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 203 | $2.5M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 280 | $245K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 461 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.