| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: NORMAN CLARKE | 2422 DEVINE STREET SUITE B COLUMBIA, SC 29205 | BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA | $40K | — | $40K | 4.21% |
| JOHN HIBBITS3 | 562 SUMMERS AVENUE ORANGEBURG, SC 29115 | BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA | $11K | — | $11K | 1.11% |
| PATRICIA REAVIS3 | 80 INTERNATIONAL DRIVE SUITE 425 GREENVILLE, SC 29615 | BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA | $8K | — | $8K | 0.80% |
| ENROLLEASE3 Filed as: NORMAN CLARKE | 2422 DEVINE STREET SUITE B COLUMBIA, SC 29205 | BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA | $5K | — | $5K | 8.40% |
| PATRICIA REAVIS3 | 80 INTERNATIONAL DRIVE SUITE 425 GREENVILLE, SC 29615 | BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA | $893 | — | $893 | 1.60% |
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS LLC | 2422 DEVINE ST STE B COLUMBIA, NC 29205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $349 | $3K | 9.16% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD SUITE 315 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $324 | — | $324 | 0.88% |
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS LLC | 2422 DEVINE ST STE B COLUMBIA, NC 29205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $282 | $4K | 13.48% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD SUITE 315 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $707 | — | $707 | 2.52% |
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS LLC | 2422 DEVINE ST STE B COLUMBIA, NC 29205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $264 | $3K | 11.95% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD SUITE 315 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $415 | — | $415 | 1.56% |
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS LLC | 2422 DEVINE ST STE B COLUMBIA, NC 29205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $259 | $31 | $290 | 9.22% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD SUITE 315 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $55 | — | $55 | 1.75% |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA | 83 | $947K |
| Dental | BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA | 88 | $56K |
| Vision | BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA | 83 | $11K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $3K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 129 | $37K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 52 | $27K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA | 83 | $947K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.