| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | PO BOX 27149 GREENVILLE, SC 29616 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $31K | — | $31K | 1.61% |
| THE BENEFIT COMPANY, INCORPORATED3 Filed as: THE BENEFIT COMPANY INCORPORATED | PO BOX 211486 COLUMBIA, SC 29221 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $31K | — | $31K | 1.61% |
| JANICE A SMITH3 | 2 REVIS CREEK COURT SIMPSONVILLE, SC 29681 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $341 | $2K | 3.85% |
| PAUL JOEL CLARK3 | 122 CARISSA COURT GREER, SC 29650 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $659 | — | $659 | 1.04% |
| CAROLE H WARREN3 | 1300 27TH PLACE SOUTH BIRMINGHAM, AL 35205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $473 | $124 | $597 | 0.94% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $546 | — | $546 | 0.86% |
| ADVANCED BENEFIT SYSTEM INC3 | 1301 GERVAIS ST COLUMBIA, SC 29201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $428 | $110 | $538 | 0.85% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $478 | — | $478 | 0.76% |
| ASSURED BENEFITS INC3 | PO BOX 26207 GREENVILLE, SC 29616 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $428 | — | $428 | 0.68% |
| JACK ALLEN NORRIS3 | 1204 LEXINGTON ST STE 2B IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $306 | — | $306 | 0.48% |
| GARY E NICHOLS3 | 236 RACKLEY MILL RD EASLEY, SC 29640 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $218 | — | $218 | 0.34% |
| C AND C BENEFIT COMMUNICATIONS3 | 122 DUPONT DR GREENVILLE, SC 29607 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $185 | — | $185 | 0.29% |
| GRAEM M CLARK3 | 589 WINDMERE DR LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | $61 | $122 | 0.19% |
| DAVID A BETMAN3 | 4106 STOCONGA DRIVE BELTSVILLE, MD 20705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 0.07% |
| DONNA L ROBINSON3 | 11 ARMSDALE DR TAYLORS, SC 29687 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 0.07% |
| PAMELA GREGG3 | 15001 SAINT THOMAS CHURCH RD UPPER MARLBORO, MD 20772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.06% |
| KLD INSURANCE BENEFITS INC3 | 8045 ROYAL SAINT GEORGES LANE DULUTH, GA 30097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $23 | $38 | 0.06% |
| NORMAC SOLUTIONS INC3 | 3730 EVEREST DR MONTGOMERY, AL 36106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $9 | $32 | 0.05% |
| DEIDRE B HOEHN3 | 30885 FRESH POND WAY OCEAN VIEW, DE 19970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.03% |
| KLINGBEIL AND ASSOCIATES INC3 | 180 ALLEN RD NE #303N ATLANTA, GA 30328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $13 | $21 | 0.03% |
| JOHN BETSON3 | 18202 PRESTWICK DR HAGERSTOWN, MD 21740 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.03% |
| CARROLL REYNOLDS3 | 137 BROOKLET DR LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.02% |
| KIMBERLY FERGUSON3 | 4059 LOMAR DRIVE MT AIRY, MD 21771 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| CAMBRIDGE FINANCIAL & INSURANCE GRO3 | 203 MILLSTONE WAY SIMPSONVILLE, SC 29681 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $2 | $8 | 0.01% |
| ARTHUR DWAYNE JANSENIUS3 | 2242 HIGHWAY 231 COTTONDALE, FL 32431 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| JENNIFER ARRINGTON3 | 107 BELLVIEW DR TAYLORS, SC 29687 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 7200 BANK CT FREDERICK, MD 21703 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 4.24% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 4.24% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF SOUTH CAROLINA | I. 20 AT ALPINE ROAD COLUMBIA, SC 29219 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 4.24% |
| THE BENEFIT COMPANY INC3 | 3800 FERNANDINA ROAD SUITE 200 COLUMBIA, SC 29221 | GUARDIAN | $2K | — | $2K | 4.57% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 1020 DRAYTON ST SECOND FLR STE 200 SAVANAH, GA 28209 | GUARDIAN | $1K | — | $1K | 2.89% |
| CONSOLIDATED PLANNING HOLDINGS3 | 4201 CONGRESS ST SUITE 295 CHARLOTTE, NC 28209 | GUARDIAN | $88 | — | $88 | 0.17% |
| ROSS & YERGER INSURANCE INC3 | PO BOX 1139 JACKSON, MS 392151139 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $775 | $6K | 11.63% |
| JANICE A SMITH3 | 112 FRIESIAN CT PELZER, SC 296698724 | AMERITAS LIFE INSURANCE CORP. | $817 | — | $817 | 3.39% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 292216486 | AMERITAS LIFE INSURANCE CORP. | $793 | — | $793 | 3.29% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 7200 BANK CT FREDERICK, MD 217032852 | AMERITAS LIFE INSURANCE CORP. | $793 | — | $793 | 3.29% |
| FRIEDMANN & FRIEDMANN INSURANCE3 Filed as: FRIEDMANN & FRIEDMANN INS SERVICES | 3990 WESTERLY PLACE, #100 NEWPORT BEACH, CA 92660 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $293 | — | $293 | 2.10% |
| JANICE A SMITH3 | 2 REVIS CREEK COURT SIMPSONVILLE, SC 29681 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $229 | $53 | $282 | 9.99% |
| CAROLE H WARREN3 | 1300 27TH PLACE SOUTH BIRMINGHAM, AL 35205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $197 | $68 | $265 | 9.39% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $117 | $0 | $117 | 4.15% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $117 | — | $117 | 4.15% |
| ASSURED BENEFITS INC3 | PO BOX 26207 GREENVILLE, SC 29616 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 1.42% |
| KLD INSURANCE BENEFITS INC3 | 8045 ROYAL SAINT GEORGES LANE DULUTH, GA 30097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $20 | $33 | 1.17% |
| ADVANCED BENEFIT SYSTEM INC3 | 1301 GERVAIS ST COLUMBIA, SC 29201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $17 | $33 | 1.17% |
| JACK ALLEN NORRIS3 | 1204 LEXINGTON ST STE 2B IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.92% |
| GRAEM M CLARK3 | 589 WINDMERE DR LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $13 | $25 | 0.89% |
| NORMAC SOLUTIONS INC3 | 3730 EVEREST DR MONTGOMERY, AL 36106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $5 | $18 | 0.64% |
| CAMBRIDGE FINANCIAL & INSURANCE GRO3 | 203 MILLSTONE WAY SIMPSONVILLE, SC 29681 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $2 | $7 | 0.25% |
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 | 474 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 484 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 277 | $2.0M |
| Dental(2 contracts, 2 carriers) | GUARDIAN | 175 | $98K |
| Vision(2 contracts, 2 carriers) | GUARDIAN | 259 | $75K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 145 | $104K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 35 | $63K |
| Long-term disability | COMPANION LIFE INSURANCE COMPANY | 145 | $53K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 277 | $2.0M |
| Other(4 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 145 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.