| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC Filed as: RSC INSURANCE BROKERAGE, INCORPORAT | 401 NORTH MICHIGAN #1200 CHICAGO, IL 60611 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $75K | — | $75K | 3.51% |
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS, LLC. | PO BOX 5672 COLUMBIA, SC 29250 | AMERICAN UNITED LIFE INSURANCE | $45K | — | $45K | 15.00% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DR UNIT 203 DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE | $12K | $1 | $12K | 40.78% |
| ENROLLEASE3 Filed as: CLARKE & CO BENEFITS LLC | 2422 DEVINE STREET SUITE B COLUMBIA, SC 29205 | COLONIAL LIFE & ACCIDENT INSURANCE | $427 | $11 | $438 | 1.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2422 DEVINE STREET SUITE B COLUMBIA, SC 29205 | COLONIAL LIFE & ACCIDENT INSURANCE | $298 | — | $298 | 1.01% |
| KAY BARNES CRAPPS3 | 147 STERLING LAKE DR LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE | $282 | — | $282 | 0.96% |
| THE ADMASON GROUP3 | 344 SUMMERSET DR CHAPIN, SC 29036 | COLONIAL LIFE & ACCIDENT INSURANCE | $268 | — | $268 | 0.91% |
| THE CLARK GROUP OF SC3 | 898 ROPER ROAD LAURENS, SC 29360 | COLONIAL LIFE & ACCIDENT INSURANCE | $183 | $5 | $188 | 0.64% |
| KIMBERLY ANN SHARPE3 | 1 JAHUE CT IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE | $143 | $1 | $144 | 0.49% |
| CAROL SANDUSKY3 | PO BOX 1470 LEXINGTON, SC 29071 | COLONIAL LIFE & ACCIDENT INSURANCE | $136 | — | $136 | 0.46% |
| SANDUSKY INC3 | PO BOX 1470 LEXINGTON, SC 29071 | COLONIAL LIFE & ACCIDENT INSURANCE | $96 | — | $96 | 0.33% |
| TRAN B HUYEN-KEODARA3 | 499 STERLING BROOK DR LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE | $42 | — | $42 | 0.14% |
| ROBIN L HARRIS3 | 133 SANDSTONE ROAD COLUMBIA, SC 29212 | COLONIAL LIFE & ACCIDENT INSURANCE | $36 | — | $36 | 0.12% |
| BROWN & BROWN INSURANCE SERVICES3 | 3700 FOREST DRIVE COLUMBIA, SC 29204 | COLONIAL LIFE & ACCIDENT INSURANCE | $15 | — | $15 | 0.05% |
| HAROLD J DOYLE3 Filed as: HAROLD DOYLE | 892 RIDERS WAY E EVANS, GA 30809 | COLONIAL LIFE & ACCIDENT INSURANCE | $2 | — | $2 | 0.01% |
| BENEFITS AT WORK LLC3 | 3908 PARKMAN DRIVE COLUMBIA, SC 29206 | COLONIAL LIFE & ACCIDENT INSURANCE | $1 | — | $1 | 0.00% |
| GARY M HARDEMAN3 Filed as: GARY MARK HARDEMAN | 16810 CORALBEND DRIVE HOUSTON, TX 77095 | COLONIAL LIFE & ACCIDENT INSURANCE | $1 | — | $1 | 0.00% |
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS, LLC. | PO BOX 5672 COLUMBIA, SC 29250 | COMMUNITY EYE CARE | $3K | — | $3K | 10.00% |
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 | 259 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 182 | $2.1M |
| Dental | DELTA DENTAL OF MISSOURI | 0 | $0 |
| Vision | COMMUNITY EYE CARE | 39 | $26K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE | 259 | $299K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE | 259 | $299K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE | 259 | $299K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 182 | $2.1M |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE | 259 | $329K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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.
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.