| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIBBITS INSURANCE INC3 | PO BOX 5672 2422 DEVINE STREET STE B COLUMBIA, SC 29250 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $57K | — | $57K | 5.46% |
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS | 2422 DEVINE ST STE B COLUMBIA, SC 29250 | COMPANION LIFE | $22K | — | $22K | 12.63% |
| MAYNARD BENEFITS GRP INC3 | 3701 ON DECK CIRCLE LITTLE RIVER, SC 29566 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 2.03% |
| THE ADAMSON GROUP INC3 | 344 SUMMERSET DR CHAPIN, SC 29036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.94% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFITS SYSTEMS INC | 145 RIVER LANDING DR UNIT 203 DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.16% |
| JOLENE MARCHANT3 | 1706 RIVIERA DR WEST COLUMBIA, SC 29169 | AFLAC | $61 | — | $61 | — |
| STEPHEN LEE3 | 3511 S CAMERON AVE TYLER, TX 75701 | AFLAC | $50 | — | $50 | — |
| MARY JONES3 | 2387 HARBOR VIEW RD CAMDEN, SC 29020 | AFLAC | $39 | — | $39 | — |
| ENTERPRISE GENERAL INS AGENCY3 | 300 DAVIDSON AVE 1ST FLR EAST WING SOMERSET, NJ 08873 | AFLAC | $39 | — | $39 | — |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ROGER BROWN | 355 SCOTT FARM DRIVE POWDER SPRINGS, GA 30127 | AFLAC | $14 | — | $14 | — |
| IRVING BRANHAM3 | PO BOX 111 CAMDEN, SC 29021 | AFLAC | $6 | — | $6 | — |
| RONALD C TRULUCK3 | 1134 TROLLING DR APOPKA, FL 32712 | AFLAC | $4 | — | $4 | — |
| DENNIS A SZCZESNY3 Filed as: DENNIS SZCZESNY | 15460 ALSASK CIR PORT CHARLOTTE, FL 33981 | AFLAC | $4 | — | $4 | — |
| DAVID TATE3 | 701 SIMPSON ST GREENSBORO, NC 27401 | AFLAC | $3 | — | $3 | — |
| A TODD THOMAS3 | 3559 BALLENGER RD GREER, SC 29651 | AFLAC | $3 | — | $3 | — |
| DEBORAH B SMITH3 | 647 WOOD POINT WAY DALLAS, GA 30157 | AFLAC | $2 | — | $2 | — |
| TRULUCK & ASSOCIATES INC3 | 1134 TROLLING DR APOPKA, FL 32712 | AFLAC | $2 | — | $2 | — |
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 | 162 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 107 | $1.0M |
| Dental | COMPANION LIFE | 162 | $176K |
| Vision | COMPANION LIFE | 162 | $176K |
| Life insurance | COMPANION LIFE | 162 | $176K |
| Short-term disability | COMPANION LIFE | 162 | $176K |
| Long-term disability | COMPANION LIFE | 162 | $176K |
| Other(3 contracts, 3 carriers) | COMPANION LIFE | 162 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.