| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCLAUGHLIN & SMOAK LLC3 Filed as: MCLAUGHLIN AND SMOAK | 710 JOHNNIE DODDS BLVD MOUNT PLEASANT, SC 29464 | AMERICAN UNITED LIFE INSURANCE COMPANY | $7K | $1K | $8K | 18.00% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS- SEE ATTACHED | 710 JOHNNIE DODDS BLVD MT PLEASANT, SC 29464 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $7K | $15K | 114.73% |
| MCLAUGHLIN & SMOAK LLC3 Filed as: MCLAUGHLIN AND SMOAK | 710 JOHNNIE DODDS BLVD MT PLEASANT, SC 29464 | PHYSICIANS EYECARE PLAN | $1K | — | $1K | 10.00% |
| MCLAUGHLIN & SMOAK LLC3 Filed as: MCLAUGHLIN AND SMOAK | 710 JOHNNIE DODDS BLVD MT PLEASANT, SC 29464 | EDOCHOME | $815 | — | $815 | 21.05% |
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 | 93 | 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) | 93 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | PHYSICIANS EYECARE PLAN | 199 | $15K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 73 | $44K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 73 | $44K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 73 | $44K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 73 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.