| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCLAUGHLIN & SMOAK LLC3 | 710 JOHNNIE DODDS BOULEVARD SUITE 100 MOUNT PLEASANT, SC 29464 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $4K | — | $4K | 0.21% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC. | 710 JOHNNIE DODDS BLVD. SUITE 100 MOUNT PLEASANT, SC 29464 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $27K | — | $27K | 8.69% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 0.84% |
| MCLAUGHLIN & SMOAK LLC3 | 710 JOHNNIE DODDS BLVD MT PLEASANT, SC 29464 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $584 | $48 | $632 | 21.53% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DR LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $201 | $273 | $474 | 16.15% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $194 | $154 | $348 | 11.86% |
| ADVANCED BENEFIT SYSTEM INC3 | 245 SEVEN FARMS DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $89 | $126 | $215 | 7.33% |
| ERIN WIGGINS3 | 2036 TELFAIR WAY CHARLESTON, SC 29412 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | $31 | $111 | 3.78% |
| TRAN B HUYEN-KEODARA3 | 115 BENDING OAK COURT LEXINGTON, SC 29073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $16 | $74 | 2.52% |
| ADAM CHRISTOPHER ANDERS3 | 812 WOODBERRY RD LEXINGTON, SC 29073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 1.98% |
| MARTIN PHILLIP OCONNOR3 | 316 LIMESTONE RD CHAPIN, SC 29036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | — | $53 | 1.81% |
| EDWIN DURANT SPRADLEY3 | 1450 OLD SWAMP RD SWANSEA, SC 29160 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | $2 | $51 | 1.74% |
| LAURA MCCLUNG PLYLER3 | 403 EAST MAIN STREET UNIT C-1 LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $7 | $33 | 1.12% |
| MELINDA CORDERO3 | 1144 CHINQUAPIN CH RD BATESBURG, SC 29006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 1.09% |
| KIMBERLY A ELSEY3 | 1 JAHUE CT IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $5 | $12 | 0.41% |
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 | 303 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 304 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 303 | $1.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 358 | $306K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 358 | $306K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 358 | $306K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 358 | $306K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 358 | $306K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 303 | $1.7M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 358 | $309K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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.