| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: CLARKE & CO BENEFITS LLC | 2422 DEVINE STREET SUITE B COLUMBIA, SC 29205 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $104K | — | $104K | 11.57% |
| ENROLLEASE3 Filed as: CLARKE & CO BENEFITS LLC | PO BOX 5672 COLUMBIA, SC 29250 | DELTA DENTAL OF MISSOURI | $12K | $0 | $12K | 10.00% |
| PAULA J FAMBROUGH3 Filed as: PAULA FAMBROUGH | 8205 DUNMORE DRIVE APT C HUNTERSVILLE, NC 28078 | TRANSAMERICA LIFE INSURANCE COMPANY | $10K | — | $10K | 15.97% |
| C & K BENEFITS LLC3 Filed as: C&K BENEFITS LLC | 106 RENAISSANCE CIRCLE MAULDIN, SC 29662 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | — | $4K | 6.08% |
| VBW INSURANCE SERVICES, INC3 | 2121 NEWMARKET PARKWAY SUITE 100 MARIETTA, GA 30067 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.90% |
| DONNA ROBINSON BISHOP3 Filed as: DONNA BISHOP DBA BISHOP INSURANCE L | 113 HOMESTEAD DRIVE BOILING SPRINGS, SC 29316 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.20% |
| SHARON D ROBERTS3 | PO BOX 1129 YOUNG HARRIS, GA 30582 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.20% |
| ENROLLEASE3 Filed as: CLARKE & CO BENEFITS LLC | PO BOX 5672 COLUMBIA, SC 292505672 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 9.95% |
| ENROLLEASE3 Filed as: CLARKE & CO BENEFITS LLC | PO BOX 5672 COLUMBIA, SC 29250 | DELTA DENTAL OF MISSOURI | $2K | $0 | $2K | 9.09% |
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 | 633 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 633 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 270 | $903K |
| Dental | DELTA DENTAL OF MISSOURI | 424 | $122K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 385 | $926K |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 633 | $125K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 633 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 633 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.