| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ISSC BENEFITS LLC3 | PO BOX 5672 COLUMBIA, SC 29250 | DELTA DENTAL OF MISSOURI | $30K | — | $30K | 10.21% |
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS LLC | PO BOX 5672 COLUMBIA, SC 29250 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 3.81% |
| IBENEFIT COMMUNICATION LLC3 | 131 HILLSIDE AVE CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $1K | $14K | 16.53% |
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS LLC | PO BOX 5672 COLUMBIA, SC 29250 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 6.44% |
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS LLC | PO BOX 5672 COLUMBIA, SC 29250 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 15.00% |
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS, LLC | 122 S IRBY STREET FLORENCE, SC 29501 | PHYSICIANS EYECARE PLAN | $6K | — | $6K | 10.00% |
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS LLC | PO BOX 5672 COLUMBIA, SC 29250 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 15.00% |
| IBENEFIT COMMUNICATION LLC3 | 131 HILLSIDE AVE CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $714 | $9K | 22.91% |
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS LLC | PO BOX 5672 COLUMBIA, SC 29250 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 9.03% |
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 | 495 | 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) | 495 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 807 | $298K |
| Vision | PHYSICIANS EYECARE PLAN | 689 | $61K |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 495 | $260K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 133 | $76K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 495 | $171K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 495 | $307K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 807 | — |
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.