Form 5500 · Employee benefit plan · ORANGEBURG, SC
CLAFLIN UNIVERSITY
The filing calls this plan CLAFLIN UNIVERSITY WELFARE BENEFITS WRAP PLAN.
CLAFLIN UNIVERSITY of ORANGEBURG, SC is a 199-participant education employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is 5S FINANCIAL GROUP LLC. Coverage is written through NATIONWIDE LIFE INSURANCE COMPANY and 2 other carriers. The plan's most recent policy period ended in May.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 57-0314374 · plan 501 · plan year 2025, filed Sep 24, 2025
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How this plan is funded
Funding not settled by the filing
The filing does not report enough to settle how this plan pays for benefits.
Benefits declared on this filing
Also declared: other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 3 insured contracts covering dental, vision, life and disability; the largest, with NATIONWIDE LIFE INSURANCE COMPANY, covers 284 people.
The filing declares dental, vision, life, disability and health. Health appears with no insured contract on Schedule A. That coverage may be self-funded, or placed with a carrier that is not on this filing.
Reported premium across the insured contracts is $740,244, with $150,076 in disclosed broker commissions — about 20% of premium.
The most recent policy period ended in May, and the plan year ends January 31. Group contracts typically renew on that annual cycle.
5S FINANCIAL GROUP LLC is the broker of record on all 3 contracts.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| NATIONWIDE LIFE INSURANCE COMPANY | Life | 284 | Jun 1, 2024 | $486,102 | $104,157 |
| SUN LIFE ASSURANCE COMPANY OF CANADA | Life, Disability | 101 | Feb 1, 2025 | $94,658 | $27,026 |
| HUMANA INSURANCE COMPANY | Dental, Vision, Life | 284 | Feb 1, 2025 | $159,484 | $18,893 |
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
Named on Schedule C of this filing. We publish company names only.
Other plans filed by this employer
How this plan compares
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