| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS | PO BOX 5672 COLUMBIA, SC 29250 | AMERICAN UNITED LIFE INSURANCE COMPANY | $25K | — | $25K | 14.40% |
| THE BENEFIT COMPANY INC3 | 3800 FERNANDINA RD STE 200 COLUMBIA, SC 29221 | AMERICAN UNITED LIFE INSURANCE COMPANY | $3K | — | $3K | 1.72% |
| VARIOUS - SEE ATTACHED3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45K | $20K | $65K | 41.09% |
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS | PO BOX 5672 COLUMBIA, SC 29250 | DELTA DENTAL OF MISSOURI | $18K | $527 | $18K | 14.27% |
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS LLC | 2422 DEVINE ST STE B COLUMBIA, SC 29205 | PHYSICIANS EYECARE PLAN | — | $3K | $3K | 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 | 346 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 449 | $127K |
| Vision | PHYSICIANS EYECARE PLAN | 245 | $32K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 297 | $173K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 297 | $173K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 297 | $173K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 297 | $331K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 449 | — |
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.