| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PLANNED ADMINISTRATORS, INC.3 | 17 TECHNOLOGY CIRCLE SUITE E2AG COLUMBIA, SC 29203 | HCC LIFE INSURANCE COMPANY | $51K | $3K | $54K | 15.89% |
| ENROLLEASE3 Filed as: CLARKE AND COMPANY BENEFITS | 2422 DEVINE STREET SUITE B COLUMBIA, SC 29250 | AMERICAN UNITED LIFE INSURANCE COMPANY | $16K | $7K | $22K | 21.44% |
| ENROLLEASE3 Filed as: CLARKE AND COMPANY BENEFITS | 2422 DEVINE STREET STE B COLUMBIA, SC 29250 | COMPANION LIFE INSURANCE COMPANY | $1K | — | $1K | 7.74% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF SOUTH CAROLINA | I-20 AT ALPINE ROAD COLUMBIA, SC 29219 | COMPANION LIFE INSURANCE COMPANY | $891 | — | $891 | 6.07% |
| HIBBITS INSURANCE INC3 | PO BOX 2369 ORANGEBURG, SC 29116 | COMPANION LIFE INSURANCE COMPANY | $646 | — | $646 | 4.40% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF SC EIN 57-0287419 NONE | Plan Administrator Service code 14 | — | $30K |
| PLANNED ADMINISTRATORS, INC EIN 57-0718839 NONE | Plan Administrator Service code 14 | 17 TECHNOLOGY DRIVE SUITE E2AG COLUMBIA, SC 29203 | $19K |
| CLARKE & COMPANY BENEFITS EIN 56-2192503 NONE | Insurance agents and brokers Service code 22 | — | $12K |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 NONE | Contract Administrator; Claims processing Service code 12 | — | $12K |
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 | 229 | 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) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 229 | $118K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 229 | $104K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 229 | $104K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 216 | $342K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 229 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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.