| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS LLC | PO BOX 5672 COLUMBIA, SC 29250 | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | $25K | — | $25K | 2.87% |
| MCLAUGHLIN & SMOAK LLC3 | 710 JOHNNIE DODDS BOULEVARD SUITE 102 MOUNT PLEASANT, SC 29464 | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | $12K | — | $12K | 1.40% |
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS LLC | PO BOX 5672 COLUMBIA, SC 29250 | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | $6K | — | $6K | 6.71% |
| MCLAUGHLIN & SMOAK LLC3 | 710 JOHNNIE DODDS BOULEVARD SUITE 102 MOUNT PLEASANT, SC 29464 | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | $3K | — | $3K | 3.35% |
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS LLC | PO BOX 5672 COLUMBIA, SC 29250 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 12.33% |
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS LLC | PO BOX 5672 COLUMBIA, SC 29250 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 8.41% |
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS | PO BOX 5672 COLUMBIA, SC 29250 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 11.09% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 315 GREEN RIDGE ROAD NEW CASTLE, PA 16105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 9.83% |
| KEENAN SUGGS BOWER ELKINS LLC3 Filed as: KEENAN SUGGS BOWER ELKINS | 1330 LADY ST SUITE 202 COLUMBIA, SC 29201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $766 | $54 | $820 | 7.01% |
| MCLAUGLIN & SMOAK BENEFITS3 | — | PHYSICIANS EYECARE PLAN | — | $1K | $1K | 10.00% |
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS LLC | PO BOX 5672 COLUMBIA, SC 29250 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 18.53% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 315 GREEN RIDGE ROAD SUITE H1 NEW CASTLE, PA 16105 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $671 | $200 | $871 | 39.68% |
| KEENAN SUGGS BOWER ELKINS LLC3 Filed as: KEENAN SUGGS BOWER ELKINS | 1330 LADY STREET SUITE 202 COLUMBIA, SC 29201 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $447 | — | $447 | 20.36% |
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 | 174 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 118 | $880K |
| Dental | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 140 | $86K |
| Vision | PHYSICIANS EYECARE PLAN | 99 | $11K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 174 | $52K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 174 | $50K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 174 | $50K |
| Prescription drug | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 118 | $880K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 174 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.