| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLARK INSURANCE3 Filed as: CLARK & COMPANY | PO BOX 5672 COLUMBIA, SC 29250 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $32K | — | $32K | 2.68% |
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS, LLC | PO BOX 5672 COLUMBIA, SC 29250 | COMPANION LIFE INSURANCE COMPANY | $11K | — | $11K | 12.04% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-SEE ATTACHED | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $3K | $8K | 32.30% |
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS | PO BOX 5672 COLUMBIA, SC 29250 | COMPANION LIFE INSURANCE COMPANY | $1K | — | $1K | 13.16% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-SEE ATTACHED | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 34.51% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28 | — | $28 | 2.15% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | 80 SOUTH 8TH ST. STE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3 | — | $3 | 0.23% |
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 | 147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 123 | $1.2M |
| Dental | COMPANION LIFE INSURANCE COMPANY | 147 | $93K |
| Vision | COMPANION LIFE INSURANCE COMPANY | 147 | $93K |
| Life insurance(2 contracts) | COMPANION LIFE INSURANCE COMPANY | 147 | $102K |
| Long-term disability(2 contracts) | COMPANION LIFE INSURANCE COMPANY | 147 | $102K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 123 | $1.2M |
| Other(5 contracts, 3 carriers) | COMPANION LIFE INSURANCE COMPANY | 147 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.