| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSENFELD EINSTEIN3 | — | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $2K | $0 | $2K | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 5145 GREENVILLE, SC 29606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $9K | $24K | 12.88% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 5145 GREENVILLE, SC 29606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 7.28% |
| SKELLY LISA K3 | 1421 MOOREHEAD PLACE PENDLETON, SC 29670 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $683 | $0 | $683 | 1.33% |
| AVEN AGNELA C3 | 770 COUNTRY ROAD 728 HENAGAR, AL 35978 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $595 | $0 | $595 | 1.16% |
| BENEFIT CONTROLS OF THE MIDLANDS3 Filed as: BENEFIT CONTROLS OF SC INC | PO BOX 6608 GREENVILLE, SC 29606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $239 | $0 | $239 | 0.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, MARSH & MCLENNAN | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $98 | $98 | 0.19% |
| ROSENFIELD EINSTEIN EMPLOYEE BEN.3 | PO BOX 5145 GREENVILLE, SC 29606 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $619 | $0 | $619 | 10.00% |
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 | 314 | 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) | 314 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 315 | $5.2M |
| Dental | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 315 | $5.2M |
| Vision | VISION SERVICE PLAN | 245 | $59K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 311 | $185K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 311 | $185K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 315 | $5.2M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 311 | $242K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.