| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SANDUSKY INC | P.O. BOX 1470 LEXINGTON, SC 29071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 7.71% |
| INS ASSOC OF THE SE INC Filed as: INS ASSC OF THE SOUTHEAST INC | P.O. BOX 11571 COLUMBIA, SC 29211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 3.16% |
| THE CLARK GROUP OF SC | 589 WINDMERE DR LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $575 | $414 | $989 | 1.17% |
| ADVANCED BENEFIT SYSTEM INC | 245 SEVEN FARMS DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $417 | $225 | $642 | 0.76% |
| GRAEM M CLARK | 589 WINDMERE DR LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $214 | $179 | $393 | 0.46% |
| THE ADAMSON GROUP INC | 344 SUMMERSET DRIVE CHAPIN, SC 29036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $275 | — | $275 | 0.33% |
| KIMBERLY A ELSEY | 1 JAHUE CT IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $166 | — | $166 | 0.20% |
| BENEFITS PLUS FINANCIAL SERVICES Filed as: BENEFITS PLUS OF COLUMBIA INC | 740 SHADOW MIST LANE COLUMBIA, SC 29210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $126 | — | $126 | 0.15% |
| KAREN TOBIAS | 1366 DUNRAVEN DR MURFREESBORO, TN 37128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.04% |
| BENEFITS AT WORK LLC | 1300 PINEMONT DRIVE COLUMBIA, SC 29206 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.02% |
| MAYNARD BENEFITS GRP INC | P.O. BOX 9115 NORTH MYRTLE BEACH, SC 29582 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.02% |
| MICHAEL C WALKER Filed as: MICHAEL T LINEBAUGH | 1101 JAVELIN COURT COLUMBIA, SC 29212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| GLENDA MCCUE | P.O. BOX 917 LEBANON, TN 37088 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| INS ASSOC OF THE SE INC3 Filed as: INS ASSC OF THE SOUTHEAST INC | P.O. BOX 11571 COLUMBIA, SC 29211 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 10.43% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $152 | $1K | 9.25% |
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 | 248 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CHOICE HEALTH PLAN | 248 | $1.6M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 137 | $14K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 96 | $85K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 18 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.