| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHERRON HOPPER3 | PO BOX 85206 LEXINGTON, SC 29073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $84 | $9K | 5.85% |
| JESSIE R CAPLEY3 | 1716 STILLWATER DRIVE COLUMBIA, SC 29212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $79 | $1K | 0.81% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM INC. | 1301 GERVAIS STREET COLUMBIA, SC 29201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $640 | $446 | $1K | 0.72% |
| KATRINA SWEET3 | 1501 NUNAMAKER DRIVE COLUMBIA, SC 29210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $955 | $11 | $966 | 0.64% |
| JOSHUA WARREN PARKS3 | 49 CASTLE CARY COURT COLUMBIA, SC 29209 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $864 | — | $864 | 0.57% |
| TERRY J SILVERS3 Filed as: TERRY D GARRETT | 459 RUNNING FOX ROAD WEST COLUMBIA, SC 29223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $838 | $9 | $847 | 0.56% |
| RHONDA M WISE3 | 122 STONEY CREEK LANE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $815 | — | $815 | 0.54% |
| DONALD B FAULKNER SR3 | 612 IVY GREEN LANE IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $762 | $24 | $786 | 0.52% |
| KIMBERLY C. GALLARDO3 Filed as: KIMBERLY C GALLARDO | 224 BIG SPIDER ROAD SYLVA, NC 28779 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $587 | $27 | $614 | 0.41% |
| SANDRA J RUNION3 | 104 SIR EDWARDS LANE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $315 | — | $315 | 0.21% |
| TERI C. JENKINSON3 Filed as: TERI C JENKINSON | PO BOX 1943 SYLVA, NC 28779 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $230 | — | $230 | 0.15% |
| ROBERT G DE MAILLY3 Filed as: ROBERT G DE MALLY | 522 CLEARVIEW DRIVE COLUMBIA, SC 29212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $168 | — | $168 | 0.11% |
| ROY CHILDRESS3 | 104 CLAY RIDGE ROAD COLUMBIA, SC 29223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $142 | $6 | $148 | 0.10% |
| LYNN MARIE BARRY3 Filed as: LYNN M MCLEOD | 93 SCHOOL HOUSE ROAD MILLS RIVER, NC 28759 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $95 | $39 | $134 | 0.09% |
| MARY H GRIFFIN3 | 394 LEGEND OAKS DRIVE COLUMBIA, SC 29229 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $131 | — | $131 | 0.09% |
| BENEFITS AT WORK LLC3 | 1300 PINEMONT DRIVE COLUMBIA, SC 29206 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $109 | $17 | $126 | 0.08% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | $27 | $72 | 0.05% |
| HOBART BRADLEY MCCOLLUM3 | 1479 FIRE TOWER ROAD PROSPERITY, SC 29127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | $21 | $68 | 0.05% |
| BENEFIT COMMUNICATION SPECIALISTS3 | 37 W FAIRMONT AVENUE SAVANNAH, GA 31406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $9 | $24 | 0.02% |
| DEBORAH WILLIAMS TOOLE SHULL3 | COLONIAL LIFE HIGH POINT, NC 27265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.01% |
| THOMAS BIGBY3 | 1782 HUNTINGTON DRIVE CHARLESTON, SC 29407 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.01% |
| JENTIE B MIGATZ3 | 297 BRIDLE RIDGE ROAD LEXINGTON, SC 29073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| MARGARET B HOOK3 | 3010 HOOKDALE ROAD WEST COLUMBIA, SC 29170 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| WILLIAMS BENEFITS SOLUTIONS LLC3 | 1116 WILDWOOD CIRCLE LEESVILLE, SC 29070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| C AND C BENEFIT COMMUNICATIONS3 | 122 DUPONT DRIVE GREENVILLE, SC 29607 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| WILLIAM T MILLER3 | 2908 OTRANTO ROAD NORTH CHARLESTON, SC 29406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| PAUL JOEL CLARK3 | 122 CARISSA COURT GREER, SC 29650 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
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 | 191 | 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) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 191 | $151K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 191 | $151K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 191 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.