| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCLAUGHLIN & SMOAK LLC3 Filed as: MCLAUGHLIN & SMOAK, LLC | — | CIGNA HEALTH & LIFE INSURANCE CO | $72K | — | $72K | 11.83% |
| CIGNA5 Filed as: CIGNA HEALTH AND LIFE INSURANCE COM | — | CIGNA HEALTH & LIFE INSURANCE CO | — | $71K | $71K | 11.66% |
| ENROLLEASE3 Filed as: CLARKE & CO BENEFITS | PO BOX 5672 COLUMBIA, SC 29250 | CIGNA HEALTH & LIFE INSURANCE CO | $50 | — | $50 | 0.01% |
| MCLAUGHLIN & SMOAK LLC3 | 710 JOHNNIE DODDS BLVD STE 102 MT. PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $5K | $9K | 19.05% |
| MCLAUGHLIN & SMOAK LLC3 | 710 JOHNNIE DODDS BLVD STE 102 MT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $8K | 16.40% |
| MCLAUGHLIN & SMOAK LLC3 Filed as: MCLAUGHLIN & SMOAK, LLC | 710 JOHNNIE DODDS BLVD STE 102 MT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 16.47% |
| MCLAUGHLIN & SMOAK LLC3 | 710 JOHNNIE DODDS BLVD STE 102 MT. PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 17.67% |
| MCLAUGHLIN & SMOAK LLC3 Filed as: MCLAUGHLIN & SMOAK, LLC | 710 JOHNNIE DODDS BLVD STE 100 MOUNT PLEASANT, SC 29464 | VISION SERVICE PLAN | $943 | — | $943 | 4.73% |
| CLARK & CO BENEFITS LLC3 | PO BOX 5672 COLUMBIA, SC 29250 | VISION SERVICE PLAN | $160 | — | $160 | 0.80% |
| MCLAUGHLIN & SMOAK LLC3 | 710 JOHNNIE DODDS BLVD STE 102 MT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $929 | $741 | $2K | 17.98% |
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 | 247 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE CO | 343 | $605K |
| Dental | CIGNA HEALTH & LIFE INSURANCE CO | 343 | $605K |
| Vision | VISION SERVICE PLAN | 175 | $20K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 280 | $77K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 151 | $29K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 280 | $48K |
| Prescription drug | CIGNA HEALTH & LIFE INSURANCE CO | 343 | $605K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 280 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.