| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCLAUGHLIN & SMOAK LLC3 | 710 JOHNNIE DODDS BOULEVARD SUITE 100 MOUNT PLEASANT, SC 29464 | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | $51K | — | $51K | 3.00% |
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS LLC | PO BOX 5672 COLUMBIA, SC 29250 | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | $17K | — | $17K | 0.97% |
| MCLAUGHLIN & SMOAK LLC3 Filed as: MCLAUGHLIN & SMOAK, LLC | 710 JOHNNIE DODDS BOULEVARD MOUNT PLEASANT, SC 29464 | DELTA DENTAL OF MISSOURI | $14K | — | $14K | 7.49% |
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS LI | 2422 DEVINE STREET #B COLUMBIA, SC 29205 | DELTA DENTAL OF MISSOURI | $6K | — | $6K | 3.16% |
| MCLAUGHLIN & SMOAK LLC3 Filed as: MCLAUGHLIN & SMOAK, LLC | 710 JOHNNIE DODDS BOULEVARD SUITE 100 MOUNT PLEASANT, SC 29464 | AMERICAN UNITED LIFE | $21K | $8K | $28K | 15.53% |
| ENROLLEASE3 Filed as: CLARKE AND COMPANY BENEFITS LI | PO BOX 5672 COLUMBIA, SC 29250 | AMERICAN UNITED LIFE | $7K | $3K | $10K | 5.60% |
| GAILLARD T DOTTERER3 | 2227 BRIGGER HILL ROAD WADMALOW ISLAND, SC 29487 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 3.92% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $470 | $96 | $566 | 0.85% |
| MCLAUGHLIN & SMOAK LLC3 | 710 JOHNNIE DODDS BOULEVARD MT PLEASANT, SC 29464 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $334 | $11 | $345 | 0.52% |
| GRAEM M CLARK3 | 589 WINDMERE DRIVE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $237 | $75 | $312 | 0.47% |
| ENROLLEASE3 Filed as: CLARKE & CO BENEFITS LLC | PO BOX 5672 COLUMBIA, SC 29250 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $256 | $30 | $286 | 0.43% |
| ADVANCED BENEFIT SYSTEM INC3 | 1301 GERVAIS STREET COLUMBIA, SC 29201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $231 | $48 | $279 | 0.42% |
| BRYCE WILLIAM SMITH3 | 1534 IDALIA DRIVE COLUMBIA, SC 29206 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $203 | $27 | $230 | 0.35% |
| THE ADAMSON GROUP INC3 | 344 SUMMERSET DRIVE CHAPIN, SC 29036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $213 | — | $213 | 0.32% |
| S AND R AGENCY3 | C/O MR JOHNSON MOUNT PLEASANT, SC 29464 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $193 | — | $193 | 0.29% |
| CAROLINA REGIONAL INSURANCE3 | PO BOX 8808 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $173 | $9 | $182 | 0.27% |
| LAURA MCCLUNG PLYLER3 | 403 EAST MAIN STREET LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $159 | $7 | $166 | 0.25% |
| CAROLE H WARREN3 | 1300 27TH PLACE SOUTH BIRMINGHAM, AL 35205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | $16 | $113 | 0.17% |
| TRAN B HUYEN-KEODARA3 | 115 BENDING OAK COURT LEXINGTON, SC 29073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $92 | $10 | $102 | 0.15% |
| CAROLYN GROVER3 | 206 FOX CHAPEL DRIVE IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | $16 | $79 | 0.12% |
| COLIN SMOAK3 | 710 JOHNNIE DODDS BOULEVARD MT PLEASANT, SC 29464 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.07% |
| SAP INC3 | 2017 KATHLEEN DRIVE COLUMBIA, SC 29210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.05% |
| GARY M HARDEMAN3 | 16810 CORALBEND DRIVE HOUSTON, TX 77095 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.03% |
| KIMBERLY A ELSEY3 | 1 JAHUE COURT IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $11 | $20 | 0.03% |
| KATHERINE E GREENE3 | 331 ABBOTT RUN VALLEY ROAD CUMBERLAND, RI 02864 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $1 | $20 | 0.03% |
| CRAIG WAYNE SOTTILE3 | 324 BROOKLAND WAY WEST COLUMBIA, SC 29169 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $4 | $9 | 0.01% |
| KLD INSURANCE BENEFITS INC3 | 8045 ROYAL SAINT GEORGE LANE DULUTH, GA 30097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $4 | $7 | 0.01% |
| NORMAC SOLUTIONS INC3 | 3730 EVEREST DRIVE MONTGOMERY, AL 36106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $2 | $5 | 0.01% |
| ENROLLMENT SOLUTIONS LTD3 | 14 WUNSCHEL DRIVE SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: INSURANCE NETWORK OF NEW ENGLAND | PO BOX 178 NEW PORT, RI 02840 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| DAVID L FLEURY3 | 545 SOUTH MAIN STREET PROVIDENCE, RI 02903 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| MCLAUGHLIN & SMOAK LLC3 Filed as: MCLAUGHLIN & SMOAK, LLC | 710 JOHNNIE DODDS BOULEVARD SUITE 100 MOUNT PLEASANT, SC 29464 | VISION SERVICE PLAN | $1K | — | $1K | 4.51% |
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 | 290 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 173 | $1.7M |
| Dental | DELTA DENTAL OF MISSOURI | 449 | $188K |
| Vision | VISION SERVICE PLAN | 187 | $32K |
| Life insurance | AMERICAN UNITED LIFE | 278 | $182K |
| Short-term disability | AMERICAN UNITED LIFE | 278 | $182K |
| Long-term disability | AMERICAN UNITED LIFE | 278 | $182K |
| Prescription drug | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 173 | $1.7M |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE | 278 | $249K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 449 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.