| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $65K | — | $65K | 27.25% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1859 SUMMERVILLE AVENUE SUITE 600 NORTH CHARLESTON, SC 29405 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $716 | $12K | 6.41% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 710 JOHNNIE DODDS BOULEVARD MT PLEASANT, SC 29464 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $131 | $9K | 12.51% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $3K | $7K | 9.81% |
| ERIN WIGGINS3 | 2036 TELFAIR WAY CHARLESTON, SC 29412 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $268 | $4K | 5.05% |
| LAURA MCCLUNG PLYLER3 | 547 BIMINI TWIST CIRCLE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $264 | $2K | 2.98% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $627 | $479 | $1K | 1.54% |
| KENNETH S BAKER3 | 367 HERITAGE OVERLOOK WOODSTOCK, GA 30188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $596 | — | $596 | 0.83% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DRIVE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $448 | $8 | $456 | 0.63% |
| TRAN B HUYEN-KEODARA3 | 115 BENDING OAK COURT LEXINGTON, SC 29073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $123 | — | $123 | 0.17% |
| EDWIN DURANT SPRADLEY3 | 1450 OLD SWAMP ROAD SWANSEA, SC 29160 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $108 | — | $108 | 0.15% |
| R J K & ASSOCIATES INC3 | 1800 PEACHTREE STREET NORTHWEST ATLANTA, GA 30309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | $53 | $98 | 0.14% |
| JESSIE R CAPLEY3 | 1716 STLLWATER DRIVE COLUMBIA, SC 29212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $93 | — | $93 | 0.13% |
| CAROLYN GROVER3 | 206 FOX CHAPEL DRIVE IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | $2 | $69 | 0.10% |
| THE HORTON GROUP3 Filed as: ANITA HORTON | 591 FAIRWAY DRIVE WOODSTOCK, GA 30189 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | $7 | $52 | 0.07% |
| KAY BARNES CRAPPS3 | 147 STERLING LAKE DRIVE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.04% |
| DORIS M KERCHNER3 | 1875 KERRY CREEK DRIVE MARIETTA, GA 30066 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.03% |
| CRAIG WAYNE SOTTILE3 | 408 CEDAR PINES DRIVE GREENVILLE, SC 29615 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| JOHN E CUMMINGS3 | 204 QUAYSIDE CIRCLE #501 MAITLAND, FL 32751 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| VINSON K ELLENBERG3 | 905 ADAIR AVENUE NORTHEAST ATLANTA, GA 30306 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| RAYMOND B LINGLE3 | 3812 CONCORD PLACE ROANOKE, VA 24018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CHARLES A DUVALL III3 Filed as: CHARLES A DUVALL LII | 166 PIPPIN STREET ROANOKE, VA 24019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | EDOC HOME | — | $3K | $3K | 21.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 710 JOHNNIE DODDS BOULEVARD MOUNT PLEASANT, SC 29464 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $18 | $1K | 13.91% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $593 | $386 | $979 | 11.21% |
| ERIN WIGGINS3 | 2036 TELFAIR WAY CHARLESTON, SC 29412 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $484 | $39 | $523 | 5.99% |
| LAURA MCCLUNG PLYLER3 | 547 BIMINI TWIST CIRCLE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $326 | $47 | $373 | 4.27% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $86 | $71 | $157 | 1.80% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DRIVE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.49% |
| TRAN B HUYEN-KEODARA3 | 115 BENDING OAK COURT LEXINGTON, SC 29073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.30% |
| KAY BARNES CRAPPS3 | 147 STERLING LAKE DRIVE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.07% |
| EDWIN DURANT SPRADLEY3 Filed as: EDWIN DURANT SPARDLEY | 1450 OLD SWAMP ROAD SWANSEA, SC 29160 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.05% |
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 | 481 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 511 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 526 | $191K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 526 | $191K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 526 | $191K |
| Short-term disability(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 133 | $81K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 357 | $237K |
| Other(4 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 526 | $285K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 526 | — |
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.