| 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 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.00% |
| KIMBERLY ANN SHARPE3 | 1 JAHUE CT IRMO, SC 29063 | COLONIAL LIFE AND ACCIDENT INSURANCE | $4K | $474 | $4K | 8.75% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DR LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE | $482 | $323 | $805 | 1.70% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE AND ACCIDENT INSURANCE | $233 | $63 | $296 | 0.63% |
| DAVID C REID LLC3 | 566 LANHAM RD EDGEFIELD, SC 29824 | COLONIAL LIFE AND ACCIDENT INSURANCE | $293 | — | $293 | 0.62% |
| TRAN B HUYEN-KEODARA3 | 115 BENDING OAK COURT LEXINGTON, SC 29073 | COLONIAL LIFE AND ACCIDENT INSURANCE | $124 | — | $124 | 0.26% |
| ELIOT F MORRISON3 | 5 FIELD RD DANBURY, CT 06811 | COLONIAL LIFE AND ACCIDENT INSURANCE | $24 | — | $24 | 0.05% |
| STACIE EMERSON BARTLETT3 | 301 STONERIDGE DR LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE | $15 | — | $15 | 0.03% |
| JENNIFER ARRINGTON3 | 107 BELLVIEW DRIVE TAYLORS, SC 29687 | COLONIAL LIFE AND ACCIDENT INSURANCE | $15 | — | $15 | 0.03% |
| KAY BARNES CRAPPS4 | 147 STERLING LAKE DRIVE LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE | $7 | — | $7 | 0.01% |
| THE ADAMSON GROUP INC3 | 344 SUMMERSET DR CHAPIN, SC 29036 | COLONIAL LIFE AND ACCIDENT INSURANCE | $7 | — | $7 | 0.01% |
| MAYNARD BENEFITS GRP INC3 | PO BOX 9115 NORTH MYRTLE BEACH, SC 29582 | COLONIAL LIFE AND ACCIDENT INSURANCE | $3 | — | $3 | 0.01% |
| STANLEY ZALESKI3 | 8916 CROWN COLONY BLVD FT MYERS, FL 33908 | COLONIAL LIFE AND ACCIDENT INSURANCE | $2 | — | $2 | 0.00% |
| INNOVATIVE PARTNERS LLC3 | INNOVATIVE PARTNERS LLC HARTFORD, CT 06103 | COLONIAL LIFE AND ACCIDENT INSURANCE | $2 | — | $2 | 0.00% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE CONSULTANTS INC | 302 BITHYNIA CIR IRMO, SC 29063 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 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 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 | EYE MED | $968 | — | $968 | 10.08% |
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 | 100 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CHOICE HEALTH PLAN SOUTH CAROLINA | 70 | $748K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 100 | $48K |
| Vision | EYE MED | 90 | $10K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE | 100 | $97K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 82 | $21K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 75 | $25K |
| Prescription drug | BLUE CHOICE HEALTH PLAN SOUTH CAROLINA | 70 | $748K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 100 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 100 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.