| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCLAUGHLIN & SMOAK LLC3 | 710 JOHNNIE DODDS BLVD STE 102 MOUNT PLEASANT, SC 29464 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | — | $38K | $38K | 2.56% |
| CLARK & CO BENEFITS LLC3 Filed as: CLARK & COMPANY BENEFITS | PO BOX 5672 COLUMBIA, SC 29250 | AMERICAN UNITED LIFE INSURANCE COMPANY | $18K | $9K | $27K | 16.96% |
| MCLAUGHLIN & SMOAK LLC3 Filed as: MCLAUGHLIN & SMOAK | 710 JOHNNIE DODDS BLVD STE 102 MT PLEASANT, SC 29464 | AMERICAN UNITED LIFE INSURANCE COMPANY | $6K | $3K | $9K | 5.54% |
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS | 2422 DEVINE STREET STE B COLUMBIA, SC 29205 | DELTA DENTAL OF MISSOURI | $9K | — | $9K | 7.59% |
| MCLAUGHLIN & SMOAK LLC3 Filed as: MCLAUGHLIN & SMOAK, LLC | 710 JOHNNIE DODDS BLVD STE 102 MT PLEASANT, SC 29464 | DELTA DENTAL OF MISSOURI | $3K | — | $3K | 2.38% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 157 | $1.5M |
| Dental | DELTA DENTAL OF MISSOURI | 392 | $116K |
| Vision | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 157 | $1.5M |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 152 | $158K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 152 | $158K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 152 | $158K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 157 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 392 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.