| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62189 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $76K | $7K | $83K | 13.30% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $21 | $21 | 0.00% |
| ELAINE COX3 Filed as: ELAINE STUBLEY | 203 MICHAUX COURT GREENVILLE, SC 29605 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $112K | $878 | $113K | 26.13% |
| CAMBRIDGE FINANCIAL & INSURANCE GRO3 Filed as: CAMBRIDGE FINANCIAL AND INS. GROUP | 88 VILLA ROAD GREENVILLE, SC 29615 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12K | $2K | $14K | 3.28% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM, INC. | 145 RIVER LANDING DRIVE, SUITE 203 DANIEL ISLAND, SC 29492 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $5K | $10K | 2.24% |
| PATRICIA BAGWELL3 | 350 WREN ROAD PIEDMONT, SC 29673 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $110 | $3K | 0.76% |
| MARSHA ADAMS LANDRETH3 | 182 SHADY GROVE DRIVE SIMPSONVILLE, SC 29681 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 0.48% |
| MJ INSURANCE3 Filed as: JANICE A. SMITH AND VARIOUS AGENTS | 217 SOUTH WOODGREEN WAY GREENVILLE, SC 29615 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $2 | $1K | 0.30% |
| PAUL JOEL CLARK3 | 101 COUNTRY MIST DRIVE GREER, SC 29651 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $980 | $0 | $980 | 0.23% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62189 VIRGINIA BEACH, VA 23466 | COMMUNITY EYE CARE | $5K | $0 | $5K | 10.00% |
| ELAINE COX3 Filed as: ELAINE STUBLEY | 203 MICHAUX COURT GREENVILLE, SC 29605 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $44 | $3K | 168.72% |
| CAMBRIDGE FINANCIAL & INSURANCE GRO3 Filed as: CAMBRIDGE FINANCIAL AND INS. GROUP | 88 VILLA ROAD GREENVILLE, SC 29615 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $320 | $0 | $320 | 20.94% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM, INC. | 145 RIVER LANDING DRIVE, SUITE 203 DANIEL ISLAND, SC 29492 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $151 | $80 | $231 | 15.12% |
| PAUL JOEL CLARK3 | 101 COUNTRY MIST DRIVE GREER, SC 29651 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $61 | $0 | $61 | 3.99% |
| MARSHA ADAMS LANDRETH3 | 182 SHADY GROVE DRIVE SIMPSONVILLE, SC 29681 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $34 | $0 | $34 | 2.23% |
| JANICE A SMITH3 Filed as: JANICE A. SMITH | 217 SOUTH WOODGREEN WAY GREENVILLE, SC 29615 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $30 | $0 | $30 | 1.96% |
| MJ INSURANCE3 Filed as: JACK A. NORRIS AND VARIOUS AGENTS | 2439 DUTCH BRANCH ROAD COLUMBIA, SC 29210 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19 | $0 | $19 | 1.24% |
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 | 499 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 500 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,128 | $627K |
| Vision | COMMUNITY EYE CARE | 721 | $49K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,128 | $627K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,128 | $627K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,128 | $627K |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,128 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,128 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.