| 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 | $84K | — | $84K | 4.80% |
| MCLAUGHLIN & SMOAK LLC3 Filed as: MCLAUGHLIN & SMOAK, LLC | 710 JOHNNIE DODDS BOULEVARD MOUNT PLEASANT, SC 29464 | DELTA DENTAL OF MISSOURI | $16K | — | $16K | 8.39% |
| MCLAUGHLIN & SMOAK LLC3 Filed as: MCLAUGHLIN & SMOAK, LLC | 710 JOHNNIE DODDS BOULEVARD SUITE 100 MOUNT PLEASANT, SC 29464 | AMERICAN UNITED LIFE | $28K | $8K | $36K | 20.08% |
| ENROLLEASE3 Filed as: CLARKE AND COMPANY BENEFITS LI | PO BOX 5672 COLUMBIA, SC 29250 | AMERICAN UNITED LIFE | $828 | $414 | $1K | 0.68% |
| GAILLARD T DOTTERER3 | 2227 BRIGGER HILL ROAD WADMALOW ISLAND, SC 29487 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 4.55% |
| MCLAUGHLIN & SMOAK LLC3 | 710 JOHNNIE DODDS BOULEVARD MT PLEASANT, SC 29464 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $921 | $102 | $1K | 1.89% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $682 | $224 | $906 | 1.67% |
| ERIN WIGGINS3 | 2036 TELFAIR WAY CHARLESTON, SC 29412 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $516 | $230 | $746 | 1.38% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DRIVE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $270 | $126 | $396 | 0.73% |
| ADVANCED BENEFIT SYSTEM INC3 | 245 SEVEN FARMS DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $255 | $81 | $336 | 0.62% |
| LAURA MCCLUNG PLYLER3 | 201 CAUGHMAN FARM ROAD LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $230 | $25 | $255 | 0.47% |
| CAROLYN GROVER3 | 206 FOX CHAPEL DRIVE IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $176 | $33 | $209 | 0.39% |
| S AND R AGENCY3 | C/O MR JOHNSON MOUNT PLEASANT, SC 29464 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $206 | — | $206 | 0.38% |
| THE ADAMSON GROUP INC3 | 344 SUMMERSET DRIVE CHAPIN, SC 29036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $183 | — | $183 | 0.34% |
| GRAEM M CLARK3 | 589 WINDMERE DRIVE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $83 | $134 | 0.25% |
| BRYCE WILLIAM SMITH3 | 6109 ANSLEY FALLS DRIVE CHARLOTTE, NC 28217 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $118 | — | $118 | 0.22% |
| CAROLINA REGIONAL INSURANCE3 | PO BOX 8808 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $103 | — | $103 | 0.19% |
| CAROLE H WARREN3 | 1300 27TH PLACE SOUTH BIRMINGHAM, AL 35205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | — | $63 | 0.12% |
| TRAN B HUYEN-KEODARA3 | 115 BENDING OAK COURT LEXINGTON, SC 29073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.08% |
| SAP INC3 | 2017 KATHLEEN DRIVE COLUMBIA, SC 29210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.05% |
| GARY M HARDEMAN3 | 16810 CORALBEND DRIVE HOUSTON, TX 77095 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.04% |
| CRAIG WAYNE SOTTILE3 | 408 CEDAR PINES DRIVE GREENVILLE, SC 29615 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $5 | $18 | 0.03% |
| KATHERINE E GREENE3 | 331 ABBOTT RUN VALLEY ROAD CUMBERLAND, RI 02864 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.02% |
| MCLAUGHLIN & SMOAK LLC3 Filed as: MCLAUGHLIN & SMOAK, LLC | 710 JOHNNIE DODDS BOULEVARD SUITE 100 MOUNT PLEASANT, SC 29464 | VISION SERVICE PLAN | $980 | — | $980 | 3.00% |
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 | 283 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 231 | $1.8M |
| Dental | DELTA DENTAL OF MISSOURI | 427 | $189K |
| Vision | VISION SERVICE PLAN | 189 | $33K |
| Life insurance | AMERICAN UNITED LIFE | 271 | $181K |
| Short-term disability | AMERICAN UNITED LIFE | 271 | $181K |
| Long-term disability | AMERICAN UNITED LIFE | 271 | $181K |
| Prescription drug | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 231 | $1.8M |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE | 271 | $236K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 427 | — |
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.