| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CASON GROUP INC3 | 1612 MARION ST SUITE 2 COLUMBIA, SC 29201 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $12K | — | $12K | 2.35% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE CONSULTANTS INC | 302 BITHYNIA CIR IRMO, SC 29063 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $9K | — | $9K | 1.65% |
| KIMBERLY ANN SHARPE | 1 JAHUE CT IRMO, SC 29063 | COLONIAL LIFE AND ACCIDENT INSURANCE | $6K | $3K | $9K | 18.16% |
| DAVID C REID LLC | 566 LANHAM RD EDGEFIELD, SC 29824 | COLONIAL LIFE AND ACCIDENT INSURANCE | $2K | $149 | $2K | 4.90% |
| THE CLARK GROUP OF SC | 589 WINDMERE DR LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE | $813 | $572 | $1K | 2.74% |
| ADVANCED BENEFIT SYSTEM INC | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE AND ACCIDENT INSURANCE | $423 | $241 | $664 | 1.31% |
| JAMES M MAYFIELD | 1600 MURRAYWOOD CT COLUMBIA, SC 29212 | COLONIAL LIFE AND ACCIDENT INSURANCE | $383 | — | $383 | 0.76% |
| TRAN B HUYEN-KEODARA | 115 BENDING OAK COURT LEXINGTON, SC 29073 | COLONIAL LIFE AND ACCIDENT INSURANCE | $201 | — | $201 | 0.40% |
| KAY BARNES CRAPPS | 147 STERLING LAKE DRIVE LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE | $74 | — | $74 | 0.15% |
| ELIOT F MORRISON | 5 FIELD RD DANBURY, CT 06811 | COLONIAL LIFE AND ACCIDENT INSURANCE | $31 | — | $31 | 0.06% |
| STACIE EMERSON BARTLETT | 301 STONERIDGE DR LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE | $28 | — | $28 | 0.06% |
| JENNIFER ARRINGTON | 107 BELLVIEW DRIVE TAYLORS, SC 29687 | COLONIAL LIFE AND ACCIDENT INSURANCE | $28 | — | $28 | 0.06% |
| KRISTEN BIBLE | 5461 TRALEE PLACE RALEIGH, NC 27609 | COLONIAL LIFE AND ACCIDENT INSURANCE | $15 | — | $15 | 0.03% |
| THE ADAMSON GROUP INC | 344 SUMMERSET DR CHAPIN, SC 29036 | COLONIAL LIFE AND ACCIDENT INSURANCE | $13 | — | $13 | 0.03% |
| MAYNARD BENEFITS GRP INC | PO BOX 9115 NORTH MYRTLE BEACH, SC 29582 | COLONIAL LIFE AND ACCIDENT INSURANCE | $8 | — | $8 | 0.02% |
| STANLEY ZALESKI3 | 8916 CROWN COLONY BLVD FT MYERS, FL 33908 | COLONIAL LIFE AND ACCIDENT INSURANCE | $3 | — | $3 | 0.01% |
| INNOVATIVE PARTNERS LLC | INNOVATIVE PARTNERS LLC HARTFORD, CT 06103 | COLONIAL LIFE AND ACCIDENT INSURANCE | $3 | — | $3 | 0.01% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE CONSULTANTS INC | 302 BITHYNIA CIR IRMO, SC 29063 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.00% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE CONSULTANTS INC | 302 BITHYNIA CIR IRMO, SC 290638998 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 21.00% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE CONSULTANTS INC | 302 BITHYNIA CIR IRMO, SC 29063 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE CONSULTANTS INC | 302 BITHYNIA CIR IRMO, SC 29063 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE CONSULTANTS INC | 302 BITHYNIA CIR IRMO, SC 29063 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE CONSULTANTS INC | 302 BITHYNIA CIR IRMO, SC 29063 | EYE MED | $880 | — | $880 | 10.07% |
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 | 109 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 71 | $530K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $49K |
| Vision | EYE MED | 100 | $9K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE | 106 | $98K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 85 | $19K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 81 | $23K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 71 | $530K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.