| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCLAUGHLIN & SMOAK LLC3 Filed as: MCLAUGHLIN & SMOAK, LLC | 710 JOHNNIE DODDS BOULEVARD MOUNT PLEASANT, SC 29464 | DELTA DENTAL OF MISSOURI | $14K | — | $14K | 9.95% |
| MCLAUGHLIN & SMOAK LLC3 | 710 JOHNNIE DODDS BOULEVARD MOUNT PLEASANT, SC 29464 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $91 | $1K | 2.11% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $495 | $77 | $572 | 1.10% |
| DAVID M GILSTON INS AGENCY3 Filed as: DAVID M GILSTON INSURANCE AGENCY IN | 15 GAMECOCK AVENUE CHARLESTON, SC 29407 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $498 | — | $498 | 0.96% |
| PAUL STANLEY JR3 | 880 JOHNNY DODD BOULEVARD MOUNT PLEASANT, SC 29464 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $329 | — | $329 | 0.63% |
| ERIN WIGGINS3 | 2036 TELFAIR WAY CHARLESTON, SC 29412 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $203 | $64 | $267 | 0.51% |
| GRAEM M CLARK3 | 589 WINDMERE DRIVE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $185 | $60 | $245 | 0.47% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM INC. | 245 SEVEN FARMS DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $172 | $32 | $204 | 0.39% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DRIVE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $124 | $25 | $149 | 0.29% |
| EDWIN DURANT SPRADLEY3 Filed as: EDWIN DURANT SPREDLEY | 1450 OLD SWAMP ROAD SWANSEA, SC 29160 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $126 | — | $126 | 0.24% |
| BRYCE WILLIAM SMITH3 | 6109 ANSLEY FALLS DRIVE CHARLOTTE, NC 28217 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $125 | — | $125 | 0.24% |
| LAURA MCCLUNG PLYLER3 | 403 EAST MAIN STREET UNIT C-1 LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $114 | $3 | $117 | 0.23% |
| TRAN B HUYEN-KEODARA3 | 115 BENDING OAK COURT LEXINGTON, SC 29073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.06% |
| KIMBERLY A ELSEY3 | 1 JAHUE COURT IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $18 | $30 | 0.06% |
| JENNIFER ARRINGTON3 | 107 BELLVIEW DRIVE TAYLORS, SC 29687 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.05% |
| STACIE EMERSON BARTLETT3 | 301 STONERIDGE DRIVE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.05% |
| CAROLINA REGIONAL INSURANCE3 | P.O. BOX 8808 COLUMBIA, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| JACK ALLEN NORRIS3 | 1204 LEXINGTON STREET SUITE 2B IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| MCLAUGHLIN & SMOAK LLC3 Filed as: MCLAUGHLIN & SMOAK, LLC | 710 JOHNNIE DODDS BLVD, SUITE 100 MT. PLEASANT, SC 29464 | VISION SERVICE PLAN | $937 | — | $937 | 6.15% |
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 | 173 | 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) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECHOICE HEALTHPLAN SOUTH CAROLINA | 109 | $1.2M |
| Dental | DELTA DENTAL OF MISSOURI | 297 | $136K |
| Vision | VISION SERVICE PLAN | 115 | $15K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 173 | $132K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 173 | $80K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 173 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.