| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2 PIERCE PL., 21ST FL. ITASCA, IL 601431203 | BLUECHOICE HEALTHPLAN OF SOUTH CAROLINA | $35K | — | $35K | 2.64% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | BLUECHOICE HEALTHPLAN OF SOUTH CAROLINA | $18K | — | $18K | 1.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1012 E. WALL STREET MT. PLEASANT, SC 29464 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $6K | $14K | 8.85% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S. 8TH. ST. STE. 700 MINNEAPOLIS, MN 55402 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 3.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2 PIERCE PL. FL. 21 ITASCA, IL 601431203 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $7K | $2K | $9K | 6.97% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S. 8TH. ST. STE. 700 MINNEAPOLIS, MN 55402 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $7K | $174 | $7K | 5.66% |
| SANDUSKY INC3 Filed as: SANDUSKY INC. | PO BOX 1470 LEXINGTON, SC 29071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 12.24% |
| GRAEM M CLARK3 | 589 WINDMERE DR. LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $413 | $449 | $862 | 1.66% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM INC. | 1301 GERVAIS STREET COLUMBIA, SC 29201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $256 | $167 | $423 | 0.81% |
| THE ADAMSON GROUP INC3 Filed as: THE ADAMSON GROUP, INC. | 344 SUMMERSET DR. CHAPIN, SC 29036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $242 | — | $242 | 0.47% |
| BENEFITS AT WORK LLC3 Filed as: BENEFITS AT WORK, LLC | 1300 PINEMONT DRIVE COLUMBIA, SC 29206 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.07% |
| MAYNARD BENEFITS GRP INC3 Filed as: MAYNARD BENEFITS GROUP, INC. | PO BOX 9115 NORTH MYRTLE BEACH, SC 29582 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.04% |
| MICHAEL C WALKER3 Filed as: MICHAEL T. LINEBAUGH | 1101 JAVELIN COURT COLUMBIA, SC 29212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| KAREN TOBIAS3 | 1366 DUNRAVEN DR. MURFREESBORO, TN 37128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| KIMBERLY A ELSEY3 | 1 JAHUE CT. IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
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 | 278 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECHOICE HEALTHPLAN OF SOUTH CAROLINA | 213 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 233 | $153K |
| Vision | BLUECHOICE HEALTHPLAN OF SOUTH CAROLINA | 213 | $1.3M |
| Life insurance(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 278 | $175K |
| Short-term disability(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 278 | $175K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 278 | $123K |
| Prescription drug | BLUECHOICE HEALTHPLAN OF SOUTH CAROLINA | 213 | $1.3M |
| Other(3 contracts, 3 carriers) | BLUECHOICE HEALTHPLAN OF SOUTH CAROLINA | 278 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.