| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS SWAYNE3 | PO BOX 31029 CHARLESTON, SC 29417 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $166K | $0 | $166K | 6.73% |
| 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 | $9K | $3K | $11K | 4.92% |
| BENTECH INC3 Filed as: BENTECH INC. | 109 HUNTER LANE SAVANNAH, GA 31405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $2K | $11K | 7.58% |
| DAVID SPARKS PURVIS3 Filed as: DAVID S. PURVIS | 3840 SADDLE BEND DRIVE OLIVE BRANCH, MS 38654 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $1K | $6K | 3.79% |
| BENEFIT COMMUNICATION SPECIALISTS3 | 37 WEST FAIRMONT AVENUE SAVANNAH, GA 31406 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 2.40% |
| CARIE DEANNE CHANEY3 | 37 WEST FARIMONT AVENUE SAVANNAH, GA 31406 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $655 | $3K | 2.12% |
| 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 | $2K | $0 | $2K | 1.41% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM INC. | 1301 GERVAIS STREET COLUMBIA, SC 29201 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $922 | $2K | 1.34% |
| ROY CHILDRESS3 | 104 CLAY RIDGE ROAD COLUMBIA, SC 29223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $74 | $2K | 1.26% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT L. HANNAH | 20 PUTTERS PLACE SAVANNAH, GA 31419 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $141 | $1K | 0.97% |
| MJ INSURANCE3 Filed as: J. SHEPPARD AND VARIOUS AGENTS | 4279 MELWOOD OAK DIRVE LANDLAND, TN 38002 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $697 | $189 | $886 | 0.60% |
| MJ INSURANCE3 Filed as: CARIE CHANEY AND VARIOUS AGENTS | 37 WEST FARIMONT AVENUE SAVANNAH, GA 31406 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $799 | $75 | $874 | 0.59% |
| MJ INSURANCE3 Filed as: GLENN DAVIS AND VARIOUS AGENTS | 23452 US HIGHWAY 80 EAST STATESBORO, GA 30461 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $677 | $11 | $688 | 0.47% |
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 | 448 | 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) | 448 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 448 | $2.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 400 | $233K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 400 | $233K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 97 | $148K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 448 | $2.5M |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 97 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 448 | — |
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.