| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR SUITE 200 HUNT VALLEY, MD 21030 | SUN LIFE ASSURANCE COMPANY OF CANADA | $167K | — | $167K | 12.62% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIR SUITE 4500 HUNT VALLEY, MD 21030 | RELIASTAR LIFE INSURANCE COMPANY | $90K | $17K | $107K | 23.41% |
| ADVANCED VOLUNTARY CONCEPTS INC3 | 75 SOUTH BROADWAY WHITE PLAINS, NY 10601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 1.63% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.93% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DR LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $806 | — | $806 | 0.48% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $355 | — | $355 | 0.21% |
| TRAN B HUYEN-KEODARA3 | 499 STERLING BROOK DR LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $318 | — | $318 | 0.19% |
| LAURA MCCLUNG PLYLER3 | 547 BIMINI TWIST CIR LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $317 | — | $317 | 0.19% |
| PAMELA E JONES3 | 55 SHORELINE DR COLUMBIA, SC 29229 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $234 | — | $234 | 0.14% |
| EDWIN DURANT SPRADLEY3 | 302 CHESTNUT ST ST MATTHEWS, SC 29135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $95 | — | $95 | 0.06% |
| ROBIN L HARRIS3 | 108 LAKE HILTON DRIVE CHAPIN, SC 29036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | — | $85 | 0.05% |
| ROMEO TYRONE GAINEY3 | 1343 PARLIAMENT LAKE DR COLUMBIA, SC 29223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | — | $67 | 0.04% |
| JULIANE D BERRY3 | 212 LAKESHIRE DRIVE LEXINGTON, SC 29073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | — | $62 | 0.04% |
| CAROLINA REGIONAL INSURANCE3 | PO BOX 8808 COLUMBIA, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | — | $61 | 0.04% |
| DAVID C REID LLC3 | 566 LANHAM RD EDGEFIELD, SC 29824 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | — | $52 | 0.03% |
| JESSIE R CAPLEY3 | 1716 STILLWATER DR COLUMBIA, SC 29212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.02% |
| KAY BARNES CRAPPS3 | 147 STERLING LAKE DRIVE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.02% |
| MICHELLE RENE WALKER3 | 25 DOVECREEK CIRCLE COLUMBIA, SC 29229 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.02% |
| BRYCE WILLIAM SMITH3 | 4212 AUDUBON PARK DR CHARLOTTE, NC 28217 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.02% |
| AMANDA K BERRY3 | 212 LAKESHIRE DRIVE LEXINGTON, SC 29073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.01% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NI LLC | 4500 TOWN CENTER BLVD JEFFERSONVILLE, IN 47130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| ADVANCED VOLUNTARY CONCEPTS INC3 | 75 SOUTH BROADWAY WHITE PLAINS, NY 10601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 2.14% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $963 | — | $963 | 0.75% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DR LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $501 | — | $501 | 0.39% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $273 | — | $273 | 0.21% |
| DUPUY & ASSOCIATES INC3 | PO BOX 1131 ESTERO, FL 33928 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $189 | — | $189 | 0.15% |
| LAURA MCCLUNG PLYLER3 | 547 BIMINI TWIST CIR LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $185 | — | $185 | 0.14% |
| PAMELA E JONES3 | 55 SHORELINE DR COLUMBIA, SC 29229 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $173 | — | $173 | 0.13% |
| CAROLINA REGIONAL INSURANCE3 | PO BOX 8808 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $159 | — | $159 | 0.12% |
| DEIRDRE B HOEHN3 | 30885 FRESH POND WAY OCEAN VIEW, DE 19970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | — | $88 | 0.07% |
| COLLEEN A VOGAN3 | 5018 COBBLESTONE COURT ELLICOTT CITY, MD 21043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | — | $78 | 0.06% |
| DOUGLAS A D'ASCOLI3 | 35710 CLAMSHELL DR SELBYVILLE, DE 19975 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | — | $77 | 0.06% |
| GUSTAVO TODE3 | 20607 DUCK POND PL GERMANTOWN, MD 20874 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | — | $64 | 0.05% |
| KAREN LINDER-STAUBS3 | 2510 PROCTOR LANE BALTIMORE, MD 21234 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | — | $48 | 0.04% |
| ERNESTO MCKENZIE JR3 | 8293 WB AND A RD SEVERN, MD 21144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.03% |
| MICHELLE RENE WALKER3 | 25 DOVECREEK CIRCLE COLUMBIA, SC 29229 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.03% |
| EDWIN DURANT SPRADLEY3 | 302 CHESTNUT ST ST MATTHEWS, SC 29135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21030 | EYEMED | $7K | — | $7K | 9.79% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21031 | EYEMED | $2K | — | $2K | 3.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF SC EIN 57-0287419 HEALTH/RX ADMIN | Claims processing; Contract Administrator Service code 12 | — | $1.4M |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 DENTAL ADMIN | Contract Administrator; Claims processing Service code 12 | — | $68K |
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 | 3,106 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 614 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,721 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED | 2,126 | $74K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,860 | $1.3M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,860 | $1.3M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,860 | $1.3M |
| Other(4 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,860 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,860 | — |
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.