| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $26K | — | $26K | 1.99% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | PRINCIPAL FINANCIAL GROUP | $7K | $3K | $10K | 12.65% |
| BENEFITS AT WORK LLC3 Filed as: BENEFITS AT WORK, LLC | 1300 PINEMONT DRIVE COLUMBIA, SC 29206 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $327 | $4K | 5.80% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $194 | $2K | 3.63% |
| SOUTHEASTERN INSURANCE CONSULTANTS3 | PO BOX 1396 IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.93% |
| JOHNNY REID THOMPSON3 | 1801 IVANHOE DRIVE COLUMBIA, SC 29210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $736 | $9 | $745 | 1.17% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM, INC. | 1301 GERVAIS STREET COLUMBIA, SC 29201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $409 | $211 | $620 | 0.97% |
| GWENDOLYN HOLLIDAY PRUETT3 | 4220 CONVERSE ST COLUMBIA, SC 29206 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $596 | — | $596 | 0.94% |
| C & L REED ASSOCIATES LLC3 Filed as: C&L REED ASSOCIATES, LLC | 3300 SHIPLEY ST LADSON, SC 29456 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $173 | — | $173 | 0.27% |
| THE ADAMSON GROUP INC3 Filed as: THE ADAMSON GROUP, INC. | 344 SUMMERSET DRIVE CHAPIN, SC 29036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $89 | — | $89 | 0.14% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $2K | — | $2K | 3.47% |
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 | 166 | 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) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 147 | $1.3M |
| Dental | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 152 | $63K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 73 | $64K |
| Short-term disability | PRINCIPAL FINANCIAL GROUP | 224 | $81K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL FINANCIAL GROUP | 224 | $144K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 147 | $1.3M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 73 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.