| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC. Filed as: BB&T INSURANCE SERVICES | PO BOX 27149 GREENVILLE, SC 29616 | BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA | $80K | — | $80K | 2.91% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | PO BOX 86F28 COLUMBIA, SC 29202 | UNION SECURITY INSURANCE COMPANY | $42K | — | $42K | 27.23% |
| THE BENEFIT COMPANY INC Filed as: BENEFIT COMPANY, INC. | PO BOX 2114867 COLUMBIA, SC 29221 | UNION SECURITY INSURANCE COMPANY | $12K | — | $12K | 7.99% |
| THOMAS BIGBY | 1782 HUNTINGTON DRIVE CHARLESTON, SC 29407 | STANDARD SECURITY | $12K | — | $12K | 10.00% |
| FRINGE INSURANCE BENEFITS, INC. | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | STANDARD SECURITY | $8K | — | $8K | 7.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 3605 GLENWOOD AVENUE STE 201 RALEIGH, NC 27612 | DELTA DENTAL OF MISSOURI | $9K | — | $9K | 9.89% |
| FRINGE INSURANCE BENEFITS, INC. | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | ENVISION INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| THOMAS BIGBY3 | 1782 HUNTINGTON DR CHARLESTON, SC 29407 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $372 | — | $372 | 1.86% |
| BENEFIT CONSULTANTS INC3 Filed as: BENEFIT CONSULTANTS LLC | PO BOX 55 BAT CAVE, NC 28710 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $359 | — | $359 | 1.80% |
| STEVEN P MOORE3 | 500 BEAR DR GREENVILLE, SC 29605 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | — | $91 | 0.46% |
| JENNIFER ARRINGTON3 | 107 BELLVIEW DR TAYLORS, SC 29687 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | — | $84 | 0.42% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM | 245 SEVEN FARMS DR DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | — | $52 | 0.26% |
| SHERRON HOPPER3 | PO BOX 85206 LEXINGTON, SC 29073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.11% |
| BENEFIT CONSULTANTS, L.L.C. | PO BOX 55 BEE CAVE, NC 28710 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.10% |
| ENROLLEASE3 Filed as: THE CLARKE GROUP OF SC | 589 WINDMERE DR LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.10% |
| THE ADAMSON GROUP INC3 | 344 SUMMERSET DR CHAPIN, SC 29036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.05% |
| TERRY J SILVERS3 Filed as: TERRY D GARRETT | 459 RUNNING FOX ROAD W COLUMBIA, SC 29223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.03% |
| SANDRA J RUNION3 | 104 SIR EDWARDS LANE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| JOSEPH GLENN EVANS3 | 4312 DIAMOND TERRACE WESTON, FL 33331 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| THOMAS BIGBY3 | 1782 HUNINGTON DR CHARLESTON, SC 29407 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 1.13% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 414 GALLIMORE DAIRY RD GREENSBORO, NC 27409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.94% |
| BENEFIT CONSULTANTS INC3 Filed as: BENEFIT CONSULTANTS LLC | PO BOX 55 BAT CAVE, NC 28710 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.47% |
| JENNIFER ARRINGTON3 | 107 BELLVIEW DR TAYLORS, SC 29687 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.42% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEMS INC | 245 SEVEN FARMS RD DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.33% |
| STEPHEN P MOORE3 | 500 BEAR DR GREENVILLE, SC 29605 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.14% |
| THE ADAMSON GROUP INC3 | 344 SUMMERSET DR CHAPIN, SC 29036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| STEVEN C BUTLER, CPA EIN 75-2515634 NONE | Accounting (including auditing) Service code 10 | 2221 JUSTIN RD STE 119-PMB351 FLOWER MOUND, TX 75028 | $0 |
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 | 433 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 433 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 266 | $91K |
| Vision | PHYSCIANS EYECARE PLAN | 591 | $49K |
| Life insurance(3 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 649 | $175K |
| Short-term disability(3 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 649 | $175K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 649 | $153K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 649 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,109 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.