| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCLENNAN AGENCY LLC | PO BOX 5145 GREENVILLE, SC 29606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.56% |
| LISA K SKELLY3 | 1421 MOOREHEAD PLACE PENDLETON, SC 29670 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $874 | $0 | $874 | 1.73% |
| ANGELA C AVEN3 | 770 COUNTY RD 728 HENAGAR, AL 35978 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $800 | $0 | $800 | 1.58% |
| BENEFIT CONTROLS OF THE MIDLANDS3 Filed as: BENEFIT CONTROLS OF SC INC | PO BOX 6608 GREENVILLE, SC 29606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $255 | $0 | $255 | 0.50% |
| BENEFIT CONTROLS OF THE MIDLANDS3 Filed as: BENEFIT CONTROLS OF SC INC | 109 LAURENS RD GREENVILLE, SC 29607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | $0 | $21 | 0.04% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 292 | $4.2M |
| Dental | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 292 | $4.2M |
| Vision | VISION SERVICE PLAN | 205 | $51K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 271 | $12K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 271 | $48K |
| Prescription drug | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 292 | $4.2M |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 271 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.