| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE CONSULTANTS INC | 302 BITHYNIA CIR IRMO, SC 29063 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $23K | — | $23K | 4.03% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE CONSULTANTS INC | 302 BITHYNIA CIR IRMO, SC 29063 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $335 | $2K | 4.67% |
| KIMBERLY ANN SHARPE3 | 1 JAHUE CT IRMO, SC 29063 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $4K | $9K | 20.26% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DR LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $816 | $1K | $2K | 4.22% |
| ADVANCED BENEFIT SYSTEM INC3 | 245 SEVEN FARMS DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $384 | $448 | $832 | 1.92% |
| JAMES M MAYFIELD3 | 248 ROLLING ROCK RD COLUMBIA, SC 29212 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $686 | $50 | $736 | 1.70% |
| TRAN B HUYEN-KEODARA3 | 115 BENDING OAK COURT LEXINGTON, SC 29073 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $499 | $77 | $576 | 1.33% |
| KAY BARNES CRAPPS3 | 147 STERLING LAKE DRIVE LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $523 | $11 | $534 | 1.23% |
| STACIE EMERSON BARTLETT3 | 301 STONERIDGE DR LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.06% |
| JENNIFER ARRINGTON3 | 107 BELLVIEW DRIVE TAYLORS, SC 29687 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.06% |
| ELIOT F MORRISON3 | 5 FIELD RD DANBURY, CT 06811 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.05% |
| THE ADAMSON GROUP INC3 | 344 SUMMERSET DR CHAPIN, SC 29036 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.03% |
| KRISTEN BIBLE3 | 5461 TRALEE PLACE RALEIGH, NC 27609 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.03% |
| MAYNARD BENEFITS GRP INC3 | PO BOX 9115 NORTH MYRTLE BEACH, SC 29582 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| STANLEY ZALESKI3 | 8916 CROWN COLONY BLVD FT MYERS, FL 33908 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| INNOVATIVE PARTNERS LLC3 | INNOVATIVE PARTNERS LLC HARTFORD, CT 06103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE CONSULTANTS INC | 302 BITHYNIA CIR IRMO, SC 290638998 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $334 | $6K | 22.26% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE CONSULTANTS INC | 302 BITHYNIA CIR IRMO, SC 29063 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $338 | $3K | 11.36% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE CONSULTANTS INC | 302 BITHYNIA CIR IRMO, SC 29063 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $299 | $3K | 11.32% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE CONSULTANTS INC | 302 BITHYNIA CIR IRMO, SC 29063 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $269 | $2K | 11.35% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE CONSULTANTS INC | 302 BITHYNIA CIR IRMO, SC 20963 | EYE MED | $888 | — | $888 | 9.16% |
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 | 103 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 103 | $630K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 103 | $50K |
| Vision | EYE MED | 111 | $10K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 102 | $93K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 86 | $20K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 82 | $25K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 72 | $580K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111 | — |
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.