| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT GUARANTY LLC3 | 606 COX STREET SIMPSONVILLE, SC 29681 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $275K | — | $275K | 20.54% |
| SOUTHEAST INS GRP3 | 2340 HARDSCRABBLE RD COLUMBIA, SC 29223 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $38K | — | $38K | 2.81% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CTR (EPIC) | 2405 SATELLITE BLVD STE 125 DULUTH, GA 30096 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $209K | — | $209K | 20.10% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $64K | $357 | $64K | 9.47% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD DULUTH, GA 30096 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $155K | — | $155K | 23.54% |
| KLD INSURANCE BENEFITS INC3 | 9085 BETHEL RD GAINESVILLE, GA 30506 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24K | $23K | $47K | 7.20% |
| NORMAC SOLUTIONS INC3 | 3730 EVEREST DR MONTGOMERY, AL 36106 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15K | $4K | $19K | 2.90% |
| WILLIAM JASON JOINER3 | 110 ROBINSON WAY WARNER ROBBINS, GA 31088 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $3K | $6K | 0.84% |
| TULLY AND COMPANY INC3 | 1926 STONE BRIDGE LANE MARIETTA, GA 30064 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $952 | $5K | 0.76% |
| SPECTRUM SOLUTIONS INC3 | 213 GOVERNOR WALK KATHLEEN, GA 31047 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $160 | $3K | 0.44% |
| B V STONE INC3 Filed as: BV STONE INC | 1800 SUNSET HARBOUR POINTE LAWRENCEVILLE, GA 30043 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $344 | $2K | 0.35% |
| STEVEN P MOORE3 | 500 BEAR DR GREENVILLE, SC 29605 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $49 | $2K | 0.35% |
| GRACE V NEAD3 | 1015 STATE PARK RD GREENVILLE, SC 29609 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $116 | $2K | 0.32% |
| CAMBRIDGE FINANCIAL & INSURANCE GRO3 | 35 BRENDON WAY STE D GREENVILLE, SC 29615 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $550 | $128 | $678 | 0.10% |
| EMILY PORRECA3 | 146 WINDFIELDS LANE WOODSTOCK, GA 30188 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $559 | $67 | $626 | 0.10% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEMS INC | 245 SEVEN FARMS DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $208 | $249 | $457 | 0.07% |
| YOUNG AGENCY LLC3 | 326 WESLEY CIRCLE MACON, GA 31204 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $226 | $227 | $453 | 0.07% |
| PLM SOLUTIONS INC3 | 3244 WINTERBERRY CIRCLE MARIETTA, GA 30062 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $130 | — | $130 | 0.02% |
| BURTON M HERRING JR3 Filed as: BURTON H HERRING JR | 1135 ARLINGTON DRIVE BIRMINGHAM, AL 35224 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $91 | — | $91 | 0.01% |
| CAROL PURDY FIELDS3 | 204 POTOMAC COURT WOODSTOCK, GA 30188 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $87 | — | $87 | 0.01% |
| CAROLE H WARREN3 | 1300 27TH PLACE SOUTH BIRMINGHAM, AL 35205 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $86 | — | $86 | 0.01% |
| MITCHELL HECTOR MORALES3 | PO BOX 2532 NORCROSS, GA 30091 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.00% |
| GCG FINANCIAL LLC3 Filed as: RAYMOND M DICKERSON | 109 ROCHESTER RD EASLEY, SC 29640 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.00% |
| KIMBERLY C HEDRICK3 | 1636 BASS LAKE RD ROSEBORO, NC 28382 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2435 GRAND AVE KANSAS CITY, MO 64180 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| KRAUTER & COMPANY, LLC3 Filed as: KRAUTER & COMPANY LLC | 1350 AVENUE OF THE AMERICAS NEW YORK, NY 10019 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| PIERCE GROUP BENEFITS LLC3 | 4928 LINKSLAND DR HOLLY SPRINGS, NC 27540 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $2 | $4 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN LOAFERS SIZE 9 LLC | 78 VICTORIA SQUARE DRIVE HILTON HEAD, SC 29926 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| PALMETTO BENEFIT SOLUTIONS LLC3 | 735 COLEMAN BLVD APT 313 MOUNT PLEASANT, SC 29464 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| JOHN M ROWLAND3 | 117 BILLY JOE RD MOORESVILLE, NC 28117 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MICHAEL C WALKER3 Filed as: MICHAEL T LINEBAUGH | 1101 JAVELIN COURT COLUMBIA, SC 29212 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JANICE A SMITH3 | 217 S WOODGREEN WAY GREENVILLE, SC 29615 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| AMH HOLDINGS LLC3 | 520 FOLLY ROAD CHARLESTON, SC 29412 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CAROLINA BENEFITS SOURCE INC3 Filed as: CAROLINA BENEFITS SOURCE IN | 4461 NE 30TH AVE LIGHTHOUSE PT, FL 33064 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MAYNARD BENEFITS GRP INC3 | PO BOX 9115 NORTH MYRTLE BEACH, SC 29582 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD STE 125 DULUTH, GA 30096 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $129K | $63K | $193K | 39.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NC) INC | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.73% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.14% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD STE 125 DULUTH, GA 30096 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $32K | — | $32K | 26.50% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD DULUTH, GA 30096 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12K | — | $12K | 12.59% |
| KID INSURANCE BENEFITS INC3 | 9085 BETHEL RD GAINESVILLE, GA 30506 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 4.75% |
| NORMAC SOLUTIONS INC3 | 3730 EVEREST DR MONTGOMERY, AL 36106 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $773 | $3K | 3.19% |
| TULLY AND COMPANY INC3 | 1926 STONE BRIDGE LANE MARIETTA, GA 30064 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $351 | $2K | 1.96% |
| B V STONE INC3 | 1800 SUNSET HARBOUR POINTE LAWRENCEVILLE, GA 30043 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $954 | $257 | $1K | 1.23% |
| MITCHELL HECTOR MORALES3 | PO BOX 2532 NORCROSS, GA 30091 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $905 | $144 | $1K | 1.07% |
| JESSIE R CAPLEY3 | 1716 STILWATER DR COLUMBIA, SC 29212 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $849 | $106 | $955 | 0.97% |
| STEVEN P MOORE3 | 500 BEAR DR GREENVILLE, SC 29605 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $772 | $31 | $803 | 0.82% |
| SANDRA SIMS3 | 13750 W COLONIAL DRIVE STE 350 WINTER GARDEN, FL 34787 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $485 | $146 | $631 | 0.64% |
| GCG FINANCIAL LLC3 Filed as: RAYMOND M DICKERSON | 109 ROCHESTER RD EASLEY, SC 29640 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $587 | $31 | $618 | 0.63% |
| CD FRAZIER ASSOCIATES INC3 | 8631 STONEFACE ROAD CHARLOTTE, NC 28214 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $453 | $108 | $561 | 0.57% |
| PATRICIA A DUNCAN3 | 520 WHEATFIELD RD FRANKLIN, NC 28734 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $370 | $64 | $434 | 0.44% |
| CAROLE H WARREN3 | 1300 27TH PLACE SOUTH BIRMINGHAM, AL 35205 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $341 | $83 | $424 | 0.43% |
| CAROL PURDY FIELDS3 | 204 POTOMAC COURT WOODSTOCK, GA 30188 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $403 | $12 | $415 | 0.42% |
| AMY E COHEN3 | 19967 VILLA LANTE PLACE BOCA RATON, FL 33434 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $277 | $16 | $293 | 0.30% |
| ADVANCED BENEFIT SYSTEM INC3 | 245 SEVEN FARMS DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $102 | $146 | $248 | 0.25% |
| CAROL BARNES3 | 2561 FALCON RIDGE DR GRAYSON, GA 30017 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $195 | $27 | $222 | 0.23% |
| BARBARA J LAKE3 | 226 N HIGH ST MORRISTOWN, IN 46161 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $170 | $32 | $202 | 0.21% |
| MARIA VERONICA JARQUE3 | 4085 NOBEL DR #29 SAN DIEGO, CA 92122 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $100 | $20 | $120 | 0.12% |
| CAMBRIDGE FINANCIAL & INSURANCE GRO3 | 35 BRENDON WAY STE D GREENVILLE, SC 29615 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $97 | $17 | $114 | 0.12% |
| WILLIAM T MILLER3 | 2908 OTRANTO ROAD NORTH CHARLESTON, SC 29406 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $79 | $18 | $97 | 0.10% |
| THOMAS WAYNE FIELDS3 | 204 POTOMAC CT WOODSTOCK, GA 30188 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $65 | $3 | $68 | 0.07% |
| CAROLYN MILLER3 | 2897 BOHICKET ROAD JOHNS ISLAND, SC 29455 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $54 | $8 | $62 | 0.06% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $32 | $26 | $58 | 0.06% |
| ASSUREDPARTNERS3 Filed as: JENNIFER ROSE SMITH | 4920 W SAN RAFAEL ST TAMPA, FL 33629 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 0.05% |
| LAURIE J BURNS3 | 303 PLYLER ROAD INDIAN TRAIL, NC 28079 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.04% |
| KYLE RUSSEY3 | 6921 E. WEDGEWOOD AVE DAVIE, FL 33331 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $23 | $15 | $38 | 0.04% |
| NORTH FLORIDA BROKER SOLUTIONS LLC3 | 1550 HARRINGTON PARK DRIVE JACKSONVILLE, FL 32225 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $16 | $34 | 0.03% |
| CALVON Y BUCZKOWSKI3 | 2608 TALL MAPLE LOOP OCOEE, FL 34761 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $15 | $33 | 0.03% |
| HOBART BRADLEY MCCOLLUM3 | 1479 FIRE TOWER ROAD PROSPERITY, SC 29127 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.03% |
| DAVID MASON DOKELL3 | 127 GREAT POINT DR MOORESVILLE, NC 28117 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $27 | $3 | $30 | 0.03% |
| WORKSITE BENEFITS SOLUTION LLC3 | 1009 VERONA ST KISSIMMEE, FL 34741 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $11 | $29 | 0.03% |
| NORTH FLORIDA BENEFIT SOLUTIONS INC3 | 12659-1 PLUMMER GRANT ROAD JACKSONVILLE, FL 32258 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.02% |
| DANIEL HALL3 | P.O. BOX 567081 ATLANTA, GA 31156 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.02% |
| ALYSON MARIE MCMAHON3 | 2127 GRASSY BASIN CT JACKSONVILLE, FL 32224 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15 | $4 | $19 | 0.02% |
| PAUL STANLEY JR3 | 880 JOHNNY DODD BLVD MT PLEASANT, SC 29464 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $8 | $17 | 0.02% |
| JEFFREY D BRINDLE3 | 10811 LAKEVIEW DRIVE CARMEL, IN 46033 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12 | $2 | $14 | 0.01% |
| MICHAEL C WALKER3 Filed as: MICHAEL J MINNEY | P.O. BOX 365 POWAY, CA 92074 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $1 | $5 | 0.01% |
| JAKORP INC3 | PO BOX 27207 SAN DIEGO, CA 92129 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| WILLIAM RENNARD3 | 3001 ALOMA AVE WINTER PARK, FL 32792 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $2 | $4 | 0.00% |
| NORWOOD BENEFIT SERVICES INC3 | 6478 LONG BREEZE RD ORLANDO, FL 32810 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD STE 125 DULUTH, GA 30096 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 26.50% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS-ATLANTA | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | EYEMED VISION CARE | $2K | — | $2K | 9.16% |
| MAXWELL HEALTH3 Filed as: MAXWELL HEALTH - BOR | 101 TREMONT ST. FL 11 BOSTON, MA 02108 | EYEMED VISION CARE | $282 | — | $282 | 1.12% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 80 INTERNATIONAL DR STE 425 GREENVILLE, SC 29615 | HARTFORD LIFE AND ACCIDENT | $311 | — | $311 | 15.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Direct payment from the plan; Participant communication; Other services; Contract Administrator; Claims processing Service code 12 | — | $20K |
| CIGNA HEALTH & LIFE INSURANCE COMP | Participant communication; Claims processing; Other services; Float revenue; Direct payment from the plan; Non-monetary compensation; Contract Administrator; Named fiduciary Service code 12 | — | $1K |
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 | 5,065 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,070 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 2,828 | $12.3M |
| Dental(3 contracts, 3 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 3,372 | $3.1M |
| Vision(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,372 | $1.2M |
| Life insurance(2 contracts, 2 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 435 | $1.5M |
| Short-term disability(3 contracts, 3 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 2,591 | $1.9M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 243 | $199K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 2,828 | $10.3M |
| Other(7 contracts, 5 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 3,353 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,372 | — |
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.