| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS SWAYNE3 | PO BOX 31029 CHARLESTON, SC 29417 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $178K | $0 | $178K | 6.62% |
| DAVID M GILSTON INSURANCE3 Filed as: DAVID M. GILSTON INSURANCE AGENCY | 15 GAMECOCK AVENUE, SUITE A CHARLESTON, SC 29407 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $6K | $13K | 6.13% |
| BENTECH INC3 Filed as: BENTECH INC. | 109 HUNTER LANE SAVANNAH, GA 31405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $7K | $17K | 9.95% |
| MJ INSURANCE3 Filed as: JOHN R. JOHN AND VARIOUS AGENTS | 948 REDDCH COVE MEMPHIS, TN 38119 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $75 | $8K | 4.95% |
| BENEFIT COMMUNICATION SPECIALIESTS3 | 37 WEST FAIRMONT AVENUE SAVANNAH, GA 31406 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 3.08% |
| DAVID SPARKS PURVIS3 Filed as: DAVID S. PURVIS | 3840 SADDLE BEND DRIVE OLIVE BRANCH, MS 38654 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $869 | $5K | 2.97% |
| CARIE DEANNE CHANEY3 | 37 WEST FAIRMONT AVENUE SAVANNAH, GA 31406 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 2.52% |
| GLENN-DAVIS & ASSOCIATES INC3 Filed as: GLENN DAVIS AND ASSOCIATES INC. | 23452 US HIGHWAY 80 EAST STATESBORO, GA 30461 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 2.21% |
| ROY CHILDRESS3 | 401 DOVE PARK ROAD COLUMBIA, SC 29223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $160 | $3K | 1.70% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BNFT SYS AND OTHER AGENTS | 1301 GERVAIS STREET COLUMBIA, SC 29201 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $575 | $2K | 1.27% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM INC. | 1301 GERVAIS STREET COLUMBIA, SC 29201 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $818 | $669 | $1K | 0.87% |
| VIOLET P COOTS3 Filed as: VIOLET P. COOTS | 1870 PLANO RICHPOND ROAD BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $167 | $1K | 0.86% |
| J SHANNON SHEPPARD3 Filed as: J. SHANNON SHEPPARD | 4279 MELWOOD OAK DRIVE LAKELAND, TN 38002 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $239 | $170 | $409 | 0.24% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT L. HANNAH | PO BOX 13652 SAVANNAH, GA 31416 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $213 | $0 | $213 | 0.13% |
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 | 412 | 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) | 412 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 412 | $2.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 360 | $207K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 360 | $207K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 100 | $170K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 412 | $2.7M |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 100 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 412 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.