| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CIGNA3 Filed as: CIGNA HEALTH AND LIFE INSURANCE COM | — | CIGNA HEALTH & LIFE INSURANCE CO | $33K | $63K | $96K | 26.63% |
| ENROLLEASE3 Filed as: CLARKE & CO BENEFITS | PO BOX 5672 COLUMBIA, SC 29250 | CIGNA HEALTH & LIFE INSURANCE CO | $53K | — | $53K | 14.63% |
| MCLAUGHLIN & SMOAK LLC3 Filed as: MCLAUGHLIN & SMOAK, LLC | — | CIGNA HEALTH & LIFE INSURANCE CO | $11K | — | $11K | 2.97% |
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS LLC | 2422 DEVINE ST STE B COLUMBIA, SC 29205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 11.86% |
| MCLAUGHLIN & SMOAK LLC3 | 710 JOHNNIE DODDS BLVD STE 102 MT. PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $537 | — | $537 | 1.28% |
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS LLC | 2422 DEVINE ST STE B COLUMBIA, SC 29205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 13.47% |
| MCLAUGHLIN & SMOAK LLC3 | 710 JOHNNIE DODDS BLVD STE 102 MT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $497 | — | $497 | 1.28% |
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS LLC | 2422 DEVINE ST STE B COLUMBIA, SC 29205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $4K | 12.65% |
| MCLAUGHLIN & SMOAK LLC3 | 710 JOHNNIE DODDS BLVD STE 102 MT. PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $692 | — | $692 | 2.46% |
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS LLC | 2422 DEVINE ST STE B COLUMBIA, SC 29205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 12.16% |
| MCLAUGHLIN & SMOAK LLC3 Filed as: MCLAUGHLIN & SMOAK, LLC | 710 JOHNNIE DODDS BLVD STE 102 MT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $669 | — | $669 | 2.53% |
| CLARK & CO BENEFITS LLC3 | PO BOX 5672 COLUMBIA, SC 29250 | VISION SERVICE PLAN | $1K | — | $1K | 5.61% |
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS LLC | 2422 DEVINE ST STE B COLUMBIA, SC 29205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $518 | $196 | $714 | 10.13% |
| MCLAUGHLIN & SMOAK LLC3 | 710 JOHNNIE DODDS BLVD STE 102 MT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $187 | — | $187 | 2.65% |
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 | 219 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 34 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE CO | 300 | $361K |
| Dental | CIGNA HEALTH & LIFE INSURANCE CO | 300 | $361K |
| Vision | VISION SERVICE PLAN | 171 | $19K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 252 | $68K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 143 | $28K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 251 | $39K |
| Prescription drug | CIGNA HEALTH & LIFE INSURANCE CO | 300 | $361K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 252 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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.