| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIBBITS INSURANCE INC3 Filed as: HIBBITS INSURANCE INCORPORATED | PO BOX 5672 2422 DEVINE STREET, STE B COLUMBIA, SC 29250 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $50K | — | $50K | 4.21% |
| VARIOUS - SEE ATTACHED3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33K | $12K | $45K | 33.32% |
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS LLC | PO BOX 5672 COLUMBIA, SC 29250 | HARTFORD LIFE AND ACCIDENT | $7K | $3K | $10K | 15.15% |
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS LLC | PO BOX 5672 COLUMBIA, SC 29250 | DELTA DENTAL OF MISSOURI | $5K | — | $5K | 9.90% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | DELTA DENTAL OF MISSOURI | $901 | $222 | $1K | 2.47% |
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS LLC | 122 S IRBY STREET FLORENCE, SC 29501 | PHYSICIANS EYECARE PLAN | $1K | — | $1K | 10.00% |
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 | 133 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 118 | $1.2M |
| Dental | DELTA DENTAL OF MISSOURI | 160 | $45K |
| Vision | PHYSICIANS EYECARE PLAN | 127 | $12K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 133 | $68K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 133 | $68K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 133 | $68K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 118 | $1.2M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 133 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.