| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS, LLC | 2422 DEVINE ST, STE B COLUMBIA, SC 29205 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $31K | $6K | $36K | 12.86% |
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS, LLC | PO BOX 5672 COLUMBIA, SC 29250 | DELTA DENTAL OF MISSOURI | $4K | — | $4K | 9.22% |
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS, LLC | PO BOX 5672 COLUMBIA, SC 29250 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 10.00% |
| VARIOUS - SEE ATTACHED3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 17.63% |
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS, LLC | PO BOX 5672 COLUMBIA, SC 29250 | COMMUNITY EYE CARE | $1K | — | $1K | 10.00% |
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 | 228 | 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) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 89 | $283K |
| Dental | DELTA DENTAL OF MISSOURI | 135 | $47K |
| Vision | COMMUNITY EYE CARE | 128 | $11K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 228 | $32K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 228 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.