| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS LLC | 2422 DEVINE STREET SUITE B COLUMBIA, SC 29205 | BLUECHOICE HEALTH PLAN | $77K | — | $77K | 3.50% |
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS LLC | 2422 DEVINE STREET SUITE B COLUMBIA, SC 29205 | DELTA DENTAL OF MISSOURI | $10K | — | $10K | 9.44% |
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS LLC | 2422 DEVINE STREET SUITE B COLUMBIA, SC 29205 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 13.77% |
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 | 335 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECHOICE HEALTH PLAN | 234 | $2.2M |
| Dental | DELTA DENTAL OF MISSOURI | 307 | $109K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 335 | $32K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 335 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.