| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SBR SERVICES LLC3 | 2839 PACES FERRY RD SE STE 830 ATLANTA, GA 30339 | SUNLIFE ASSURANCE COMPANY OF CANADA | $61K | $22K | $83K | 6.79% |
| PLANNED ADMINISTRATORS, INC.3 Filed as: PLANNED ADMINISTRATORS INC | 17 TEHNOLOGY CIRCLE STE E2AG COLUMBIA, SC 29203 | SUNLIFE ASSURANCE COMPANY OF CANADA | — | $13K | $13K | 1.03% |
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS LLC | PO BOX 5672 COLUMBIA, SC 29250 | HARTFORD LIFE AND ACCIDENT | $43K | — | $43K | 10.00% |
| ISSC BENEFITS LLC3 | PO BOX 5672 COLUMBIA, SC 29250 | DELTA DENTAL OF MISSOURI | $41K | — | $41K | 11.59% |
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS, LLC | 122 S IRBY STREET FLORENCE, SC 29501 | PHYSICIANS EYECARE PLAN | $8K | — | $8K | 10.00% |
| IBENEFIT COMMUNICATION LLC3 | 131 HILLSIDE AVE CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $156 | $5K | 6.43% |
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS LLC | PO BOX 5672 COLUMBIA, SC 29250 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.67% |
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS LLC | PO BOX 5672 COLUMBIA, SC 29250 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43K | — | $43K | 58.08% |
| IBENEFIT COMMUNICATION LLC3 | 131 HILLSIDE AVE CHARLOTTE, NC 28209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $91 | $2K | 5.98% |
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS LLC | PO BOX 5672 COLUMBIA, SC 29250 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $983 | — | $983 | 2.47% |
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 | 542 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 545 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 951 | $352K |
| Vision | PHYSICIANS EYECARE PLAN | 477 | $79K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 559 | $470K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 559 | $430K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 559 | $430K |
| Other(4 contracts, 4 carriers) | SUNLIFE ASSURANCE COMPANY OF CANADA | 559 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 951 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.