| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS, LLC | PO BOX 5672 COLUMBIA, SC 29250 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 3.17% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GRP INC | 2502 N ROCKY POINT DR STE 310 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $211 | — | $211 | 0.34% |
| VARIOUS - SEE ATTACHED3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $5K | $15K | 37.83% |
| CORMELL STREET & PATTERSON INC3 | 2420 HOFFMEYER ROAD SUITE D FLORENCE, SC 29501 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $210 | — | $210 | 2.70% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S PLEASANTBURG DRIVE GREENVILLE, SC 29607 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.44% |
| ROY DEAN RAMEY3 | PO BOX 17967 RALEIGH, NC 27619 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.09% |
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 | 125 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 186 | $62K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 186 | $62K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 186 | $62K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 186 | $62K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 186 | $62K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 186 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.