| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGER BENEFIT SERVICES INC | 115 CENTRAL ISLAND ST, STE 100 CHARLESTON, SC 29492 | SUN LIFE ASSURANCE COMPANY OF CANADA | $49K | — | $49K | 4.63% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INS AGENCY | 840 CRESENT CENTRE DR, STE 300 FRANKLIN, TN 37067 | SUN LIFE ASSURANCE COMPANY OF CANADA | $38K | — | $38K | 3.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGER BENEFIT SERVICES INC | 2345 GRAND BLVD, STE 400 KANSAS CITY, MO 64108 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $27K | $27K | 2.56% |
| GRAEM M CLARK3 | 403 E MAIN ST, UNIT C LEXINGTON, SC 29072 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | — | $15K | 1.45% |
| CHRISTOPHER MICHAEL SHEALY3 Filed as: CHRISTOPHER SHEALY | 201 CAUGHMAN FARM LN LEXINGTON, SC 29072 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | — | $15K | 1.45% |
| ADVANCED VOLUNTARY CONCEPTS INC3 | 75 SOUTH BROADWAY WHITE PLAINS, NY 10601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55K | $16K | $71K | 11.01% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25K | $18K | $43K | 6.58% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DR LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15K | $18K | $32K | 5.00% |
| ADVANCED BENEFIT SYSTEM INC3 | 245 SEVEN FARMS DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $5K | $9K | 1.46% |
| PAMELA E JONES3 | 55 SHORELINE DR COLUMBIA, SC 29229 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $2K | $8K | 1.28% |
| TRAN B HUYEN-KEODARA | 115 BENDING OAK COURT LEXINGTON, SC 29073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $1K | $8K | 1.26% |
| LAURA MCCLUNG PLYLER3 | 201 CAUGHMAN FARM RD LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $1K | $6K | 0.97% |
| EDWIN DURANT SPRADLEY3 | 1450 OLD SWAMP RD SWANSEA, SC 29160 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $258 | $6K | 0.93% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NEACE LUKENS INSURANCE AGEN | 4500 TOWN CENTER BLVD STE 200 JEFFERSONVILLE, IN 47130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 0.63% |
| JULIANE D BERRY3 | 5 CLUSTER ROAD COLUMBIA, SC 29210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $177 | $2K | 0.29% |
| MARTIN PHILLIP OCONNOR3 | 316 LIMESTONE RD CHAPIN, SC 29036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $56 | $2K | 0.26% |
| CRUZ CRUZ-HEREMURU3 | 437 IVYWOOD LANE BLYTHEWOOD, SC 29016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $104 | $2K | 0.25% |
| KAY BARNES CRAPPS3 | 147 STERLING LAKE DRIVE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $14 | $1K | 0.16% |
| AMANDA K BERRY3 | 212 LAKESHIRE DRIVE LEXINGTON, SC 29073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $853 | $63 | $916 | 0.14% |
| MARY H GRIFFIN3 | 394 LEGEND OAKS DRIVE COLUMBIA, SC 29229 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $790 | — | $790 | 0.12% |
| KRISTEN T NEAL3 | 128 CHIMNEY HILL RD COLUMBIA, SC 29209 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $775 | $8 | $783 | 0.12% |
| KIMBERLY ANN SHARPE3 | 1 JAHUE CT IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $363 | $301 | $664 | 0.10% |
| ADAM CHRISTOPHER ANDERS3 | 812 WOODBERRY ROAD LEXINGTON, SC 29073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $655 | — | $655 | 0.10% |
| MICHELLE RENE WALKER3 | 25 DOVECREEK CIRCLE COLUMBIA, SC 29229 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $613 | $25 | $638 | 0.10% |
| JACK ALLEN NORRIS3 | 1204 LEXINGTON STREET STE 2B IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $558 | $40 | $598 | 0.09% |
| ROBIN L HARRIS3 | 108 LAKE HILTON DRIVE CHAPIN, SC 29036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $518 | $12 | $530 | 0.08% |
| JAMES M MAYFIELD3 | 248 ROLLING ROCK RD COLUMBIA, SC 29212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $477 | $35 | $512 | 0.08% |
| ROMEO TYRONE GAINEY3 | 1343 PARLIAMENT LAKE DR COLUMBIA, SC 29223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $386 | $11 | $397 | 0.06% |
| CAROLINA REGIONAL INSURANCE3 | PO BOX 8808 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $368 | $7 | $375 | 0.06% |
| DAVID C REID LLC3 | 566 LANHAM RD EDGEFIELD, SC 29824 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $262 | $2 | $264 | 0.04% |
| WORTHAM SAN ANTONIO INC3 Filed as: SHARON WORTHAM BORDEN | 116 MAGNOLIA KEY DRIVE CHAPIN, SC 29036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $205 | $17 | $222 | 0.03% |
| TRACIE ANN ROE3 | 2408 PAR DRIVE AUGUSTA, GA 30906 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $199 | — | $199 | 0.03% |
| KAREN LINDER-STAUBS3 | 2150 PROCTOR LANE BALTIMORE, MD 21234 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $146 | $5 | $151 | 0.02% |
| JESSIE R CAPLEY3 | 1716 STLLWATER DR COLUMBIA, SC 29212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $150 | — | $150 | 0.02% |
| BRYCE WILLIAM SMITH3 | 6109 ANSLEY FALLS DR CHARLOTTE, NC 28217 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $143 | $3 | $146 | 0.02% |
| CAROLYN GROVER3 | 206 FOX CHAPEL DR IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $98 | $14 | $112 | 0.02% |
| CRAIG WAYNE SOTTILE3 | 408 CEDAR PINES DR GREENVILLE, SC 29615 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $23 | $74 | 0.01% |
| CAMBRIDGE FINANCIAL & INSURANCE GRO3 | 35 BRENDON WAY STE D GREENVILLE, SC 29615 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $8 | $59 | 0.01% |
| JACQUELINE GATHERS3 | 938 DOVEFIELD LANE LEXINGTON, SC 29073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.00% |
| KIMBERLY FERGUSON3 | 168 RIDGEWOOD DRIVE OAKLAND, MD 21550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $1 | $14 | 0.00% |
| ERNESTO MCKENZIE JR3 | 8618 CHESTNUT RIDGE DR LAUREL, MD 20707 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| ADVANCED VOLUNTARY CONCEPTS INC3 | 75 SOUTH BROADWAY WHITE PLAINS, NY 10601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52K | $15K | $67K | 14.11% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19K | $15K | $34K | 7.07% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DR LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | $15K | $26K | 5.50% |
| DUPUY & ASSOCIATES INC3 | PO BOX 1131 ESTERO, FL 33928 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 1.35% |
| GUSTAVO TODE3 | 20607 DUCK POND PL GERMANTOWN, MD 20874 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $858 | $6K | 1.28% |
| PAMELA E JONES3 Filed as: PAMELA JONES | 55 SHORELINE DR COLUMBIA, SC 29229 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 1.13% |
| ADVANCED BENEFIT SYSTEM INC3 | 245 SEVEN FARMS DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $3K | $5K | 1.05% |
| LAURA MCCLUNG PLYLER3 | 201 CAUGHMAN FARM RD LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $945 | $5K | 1.04% |
| ERNESTO MCKENZIE JR3 | 8618 CHESTNUT RIDGE DR LAUREL, MD 20707 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $284 | $4K | 0.87% |
| COLLEEN A VOGAN3 | 5018 COBBLESTONE COURT ELLICOTT CITY, MD 21043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $382 | $3K | 0.61% |
| CAROLINA REGIONAL INSURANCE3 | PO BOX 8808 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $260 | $3K | 0.59% |
| MICHELLE RENE WALKER3 | 25 DOVECREEK CIRCLE COLUMBIA, SC 29229 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $132 | $2K | 0.49% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INS AGENCY | 4500 TOWN CENTER BLVD, STE 200 JEFFERSON, IN 47130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.41% |
| MULLANEY ENTERPRISES LLC3 | 5850 WATERLOO RD COLUMBIA, MD 21043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $994 | $782 | $2K | 0.37% |
| KAREN LINDER-STAUBS3 | 2510 PROCTOR LANE BALTIMORE, MD 21234 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $53 | $2K | 0.32% |
| OWENS EMPLOYEE BENEFITS OF FLORIDA3 Filed as: OWENS EMPLOYEE BENEFITS OF FL | 13650 FIDDLESTICKS BLVD FORT MYERS, FL 33912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $276 | $459 | $735 | 0.15% |
| TERESA D'ASCOLI3 | 35710 CLAMSHELL CIR SELBYVILLE, DE 19975 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $422 | — | $422 | 0.09% |
| DEIRDRE B HOEHN3 | 30885 FRESH POND WAY OCEAN VIEW, DE 19970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $330 | — | $330 | 0.07% |
| ADAM CHRISTOPHER ANDERS3 | 812 WOODBERRY RD LEXINGTON, SC 29073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $188 | — | $188 | 0.04% |
| LILIENFIELD & ASSOCIATES LLC3 | 1100 HIGGINS PLACE ROCKVILLE, MD 20852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $127 | $12 | $139 | 0.03% |
| KIMBERLY FERGUSON3 | 168 RIDGEWOOD DRIVE OAKLAND, MD 21550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $131 | $5 | $136 | 0.03% |
| SUSAN ADELIA DAVIS3 | 5473 SCHLACK DRIVE GAP, PA 17527 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $126 | — | $126 | 0.03% |
| ROMEO TYRONE GAINEY3 | 1343 PARLIAMENT LAKE DR COLUMBIA, SC 29223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | $6 | $100 | 0.02% |
| ROBIN L HARRIS3 Filed as: ROBIN HARRIS | 108 LAKE HILTON DR CHAPIN, SC 29036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $79 | — | $79 | 0.02% |
| ESQUEN INSURANCE GROUP CORP3 | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | $13 | $70 | 0.01% |
| MY CORE BENEFIT SOLUTIONS LLC3 Filed as: MY CORE BENEFITS SOLUTIONS LLC | 2003 PHILLIPS TERRACE ANNAPOLIS, MD 21401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $54 | $70 | 0.01% |
| EDWIN DURANT SPRADLEY3 Filed as: EDWIN SPRADLEY | 1450 OLD SWAMP RD SWANSEA, SC 29160 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | $2 | $49 | 0.01% |
| CAROLYN GROVER3 | 206 FOX CHAPEL DR IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | $2 | $44 | 0.01% |
| HOWARD HOROWITZ3 | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.00% |
| TIMOTHY J REED3 | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| TRACY L BOULINE3 | 301 LINDEN SHADE COURT MILLERSVILLE, MD 21108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| CRAIG WAYNE SOTTILE3 | 408 CEDAR PINES DR GREENVILLE, SC 29615 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $46K | — | $46K | 18.01% |
| CHRISTOPHER MICHAEL SHEALY3 Filed as: CHRISTOPHER SHEALY | 215 HOGAN WAY LEXINGTON, SC 29072 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 6.46% |
| GRAEM M CLARK3 Filed as: GRAEM CLARK | 113 PALM COURT LEXINGTON, SC 29072 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 6.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1012 E WALL STREET MT PLEASANT, SC 29464 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.37% |
| STANLEY DOUGLAS GILLESPIE3 Filed as: STANLEY PAUL | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.61% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF SC EIN 57-0287419 MEDICAL/RX ADMIN | Claims processing; Contract Administrator Service code 12 | — | $1.1M |
| PLANNED ADMINISTRATORS, INC EIN 57-0718839 TPA | Contract Administrator Service code 13 | — | $417K |
| ASSURED PARTNERS EIN 32-0451990 MED INS BROKER | Insurance brokerage commissions and fees Service code 53 | — | $149K |
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 | 3,455 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 68 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,526 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,059 | $254K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,059 | $254K |
| Life insurance(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,455 | $2.2M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,455 | $1.1M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,455 | $1.1M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,455 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,455 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.