| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $23K | $36K | 1.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1012 EAST WALL STREET MOUNT PLEASANT, SC 29464 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 0.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | UNKNOWN COLUMBIA, SC 29221 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $51K | $1K | $52K | 7.46% |
| CALDWELL TRUST COMPANY3 | 200 PALMETTO HALL COURT LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22K | $8K | $30K | 4.37% |
| THE CLARK GROUP OF SC3 | 898 ROPER ROAD LAURENS, SC 29360 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $5K | $10K | 1.38% |
| ALICE RYAN STRIBLING3 | 511 KILBOURNE ROAD COLUMBIA, SC 29205 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $1K | $7K | 0.95% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM, INC. | 145 RIVER LANDING DRIVE, SUITE 203 DANIEL ISLAND, SC 29492 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 0.81% |
| BROOKE HARMON3 | 70 HENRY LIVINGSTON ROAD POMARIA, SC 29126 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $743 | $3K | 0.38% |
| KIMBERLY ANN SHARPE3 Filed as: KIMBERLY A. SHARPE AND OTHER AGENTS | 1 JAHUE COURT IRMO, SC 29063 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $54 | $2K | 0.28% |
| UNKNOWN3 | UNKNOWN WEST COLUMBIA, SC 29169 | PHYSICIANS EYECARE PLAN | $44K | $0 | $44K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $8K | $0 | $8K | 1.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2720 SUNSET BOULEVARD, SUITE 200 WEST COLUMBIA, SC 29169 | HARTFORD LIFE AND ACCIDENT | $779 | $0 | $779 | 0.18% |
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 | 2,191 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | PHYSICIANS EYECARE PLAN | 3,696 | $440K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,976 | $2.9M |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,976 | $2.9M |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,976 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,976 | — |
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.