| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CIGNA5 Filed as: CIGNA HEALTH AND LIFE INSURANCE COM | — | CIGNA HEALTH & LIFE INSURANCE CO | — | $96K | $96K | 17.53% |
| MCLAUGHLIN & SMOAK LLC3 Filed as: MCLAUGHLIN & SMOAK, LLC | — | CIGNA HEALTH & LIFE INSURANCE CO | $76K | — | $76K | 13.89% |
| MCLAUGHLIN & SMOAK LLC3 | 710 JOHNNIE DODDS BLVD STE 102 MT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $8K | 14.99% |
| MCLAUGHLIN & SMOAK LLC3 | 710 JOHNNIE DODDS BLVD STE 102 MT. PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $7K | 14.33% |
| 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 | 16.13% |
| MCLAUGHLIN & SMOAK LLC3 | 710 JOHNNIE DODDS BLVD STE 102 MT. PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 15.82% |
| MCLAUGHLIN & SMOAK LLC3 Filed as: MCLAUGHLIN & SMOAK, LLC | 710 JOHNNIE DODDS BLVD STE 100 MOUNT PLEASANT, SC 29464 | VISION SERVICE PLAN | $1K | — | $1K | 5.38% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP | 710 JOHNNIE DODDS BLVD STE 100 MOUNT PLEASANT, SC 29464 | EDOC HOME | — | $3K | $3K | 33.90% |
| MCLAUGHLIN & SMOAK LLC3 | 710 JOHNNIE DODDS BLVD STE 102 MT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $835 | $645 | $1K | 17.72% |
| MCLAUGHLIN & SMOAK LLC3 | 710 JOHNNIE DODDS BLVD MOUNT PLEASANT, SC 29464 | COLONIAL LIFE & ACCIDENT COMPANY | $1K | $107 | $1K | 20.69% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES, INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT COMPANY | $412 | $289 | $701 | 9.75% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEMS | 245 SEVEN FARMS DR DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT COMPANY | $261 | $303 | $564 | 7.85% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DR LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT COMPANY | $261 | $303 | $564 | 7.85% |
| LAURA MCCLUNG PLYLER3 Filed as: LAURA MCCLUNG PLYER | 201 CAUGHMAN FARM RD LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT COMPANY | $298 | $73 | $371 | 5.16% |
| ERIN WIGGINS3 | 2036 TELFAIR WAY CHARLESTON, SC 29412 | COLONIAL LIFE & ACCIDENT COMPANY | $230 | $86 | $316 | 4.40% |
| TIMOTHY J REED3 Filed as: TIMOTHY J. REED | 21 AZALEA DR LUMBERTON, NJ 08048 | COLONIAL LIFE & ACCIDENT COMPANY | $44 | $11 | $55 | 0.77% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT COMPANY | $2 | $8 | $10 | 0.14% |
| THE WORKSIGHT GROUP LLC3 Filed as: THE WORKSIGHT GROUP, LLC | 743 PASSAIC AVE CLIFTON, NJ 07012 | COLONIAL LIFE & ACCIDENT COMPANY | $2 | $4 | $6 | 0.08% |
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 | 308 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH & LIFE INSURANCE CO | 345 | $556K |
| Dental | CIGNA HEALTH & LIFE INSURANCE CO | 345 | $547K |
| Vision | VISION SERVICE PLAN | 191 | $21K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 306 | $93K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 186 | $33K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 306 | $53K |
| Prescription drug | CIGNA HEALTH & LIFE INSURANCE CO | 345 | $547K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 306 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 345 | — |
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.