| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS SWAYNE3 | PO BOX 31029 CHARLESTON, SC 29417 | BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA | $144K | $0 | $144K | 4.65% |
| DAVID M GILSTON INSURANCE3 Filed as: DAVID M. GILSTON INSURANCE AGENCY | 15 A GAMECOCK AVENUE CHARLESTON, SC 29407 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $8K | $14K | 7.77% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $347 | $0 | $347 | 0.19% |
| BENTECH INC3 Filed as: BENTECH INC. | 109 HUNTER LANE SAVANNAH, GA 31405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $3K | $9K | 9.27% |
| ASSUREDPARTNERS3 | 200 COLONIAL CENTER PARKWAY LAKE MARY, FL 32746 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 4.10% |
| BENEFIT COMMUNICATION SPECIALISTS3 | 37 WEST FAIRMONT AVENUE SAVANNAH, GA 31406 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $1K | $4K | 3.61% |
| ROY CHILDRESS3 | 104 CLAY RIDGE ROAD COLUMBIA, SC 29223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $193 | $4K | 3.60% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT L. HANNAH | 20 PUTTERS PLACE SAVANNAH, GA 31419 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $164 | $3K | 2.83% |
| CARIE DEANNE CHANEY3 | 37 WEST FAIRMONT AVENUE SAVANNAH, GA 31406 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $510 | $3K | 2.55% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BEN. SYS. AND OTHER AGENTS | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $852 | $2K | 1.94% |
| DAVID SPARKS PURVIS3 | 3840 SADDLE BEND DRIVE OLIVE BRANCH, MS 38654 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $298 | $3K | 7.41% |
| BENTECH INC3 Filed as: BENTECH INC. | 109 HUNTER LANE SAVANNAH, GA 31405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $565 | $2K | 6.18% |
| ASSUREDPARTNERS3 | 200 COLONIAL CENTER PARKWAY LAKE MARY, FL 32746 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 3.56% |
| CARIE DEANNE CHANEY3 | 37 WEST FAIRMONT AVENUE SAVANNAH, GA 31406 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $609 | $155 | $764 | 2.09% |
| BENEFIT COMMUNICATION SPECIALISTS3 | 37 WEST FAIRMONT AVENUE SAVANNAH, GA 31406 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $422 | $205 | $627 | 1.72% |
| J SHANNON SHEPPARD3 Filed as: J SHANNON SHEPPARD AND OTHER AGENTS | 10105 GILLESPIE OAK DRIVE LAKELAND, TN 38002 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $296 | $36 | $332 | 0.91% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENENEFIT SYSTEM INC. | 245 SEVEN FARMS DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $179 | $112 | $291 | 0.80% |
| BENTECH INC3 Filed as: BENTECH INC. | 109 HUNTER LANE SAVANNAH, GA 31405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $797 | $294 | $1K | 10.78% |
| ASSUREDPARTNERS3 | 200 COLONIAL CENTER PARKWAY LAKE MARY, FL 32746 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $287 | $0 | $287 | 2.84% |
| BENEFIT COMMUNICATION SPECIALISTS3 | 37 WEST FAIRMONT AVENUE SAVANNAH, GA 31406 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $173 | $105 | $278 | 2.75% |
| ROY CHILDRESS3 | 104 CLAY RIDGE ROAD COLUMBIA, SC 29223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $228 | $9 | $237 | 2.34% |
| CARIE DEANNE CHANEY3 | 37 WEST FAIRMONT AVENUE SAVANNAH, GA 31406 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $118 | $38 | $156 | 1.54% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENENEFIT SYSTEM INC. | 245 SEVEN FARMS DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $71 | $60 | $131 | 1.29% |
| DAVID SPARKS PURVIS3 Filed as: DAVID S. PURVIS AND OTHER AGENTS | 3840 SADDLE BEND DRIVE OLIVE BRANCH, MS 38654 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $55 | $6 | $61 | 0.60% |
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 | 291 | 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) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA | 136 | $3.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 281 | $182K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 281 | $182K |
| Life insurance(4 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA | 136 | $3.2M |
| Short-term disability(3 contracts) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 118 | $146K |
| Long-term disability(3 contracts) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 118 | $146K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA | 136 | $3.1M |
| Other(4 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA | 136 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.