| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE CONSULTANTS | 302 BITHYNIA CIRCLE IRMO, SC 29063 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $22K | — | $22K | 3.97% |
| SOUTHEASTERN INSURANCE CONSULTANTS3 Filed as: SOUTHEASTERN INS CONSULTANTS | 1061 BICKLEY RD PO BOX 1396 IRMO, SC 29063 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $7K | $21K | 15.38% |
| MAYNARD BENEFITS GRP INC3 Filed as: MAYNARD BENEFITS GROUP | PO BOX 9115 NORTH MYRTLE BEACH, SC 29582 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $522 | — | $522 | 4.19% |
| KIMBERLY ELSEY3 | 263 RICHMOND FARM CIRCLE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $338 | — | $338 | 2.71% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEMS INC | 1301 GERVAIS STREET COLUMBIA, SC 29201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | — | $48 | 0.39% |
| STACIE EMERSON BARTLETT3 | 301 STONERIDGE DR LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.29% |
| JENNIFER ARRINGTON3 | 107 BELLVIEW DRIVE TAYLORS, SC 29687 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.29% |
| ELIOT F MORRISON3 | 5 FIELD ROAD DANBURY, CT 06811 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.19% |
| THE ADAMSON GROUP INC3 | 344 SUMMERSET DR CHAPIN, SC 29036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.11% |
| KRISTEN BIBLE3 | 2608 NOBLE ROAD RALEIGH, NC 27608 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.10% |
| CAPITOL DISTRICT INC3 Filed as: CAPITOL DISTRICT IN | 8916 CROWN COLONY BLVD FT MYERS, FL 33908 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| INNOVATIVE PARTNERS LLC3 Filed as: INNOVATIVE PARTNERS, LLC | INNOVATIVE PARTNERS MIDDLETOWN, CT 06457 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.02% |
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 | 105 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 72 | $557K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 105 | $139K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 105 | $139K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 105 | $152K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 105 | $139K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 105 | $139K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 72 | $557K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 105 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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.