| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY -GREENVILLE | 870 S PLEASANTBURG DR GREENVILLE, SC 296072455 | UNITEDHEALTHCARE INSURANCE COMPANY | $28K | $0 | $28K | 8.12% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET FLOOR 4 NEW YORK, NY 100144500 | UNITEDHEALTHCARE INSURANCE COMPANY | -$96 | $0 | -$96 | -0.03% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 5145 GREENVILLE, SC 29606 | GUARDIAN | $36K | $0 | $36K | 12.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC//ROSEN | DBA ROSENFELD EINSTEIN PO BOX 5145 GREENVILLE, SC 29606 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 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 | 170 | 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) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 160 | $341K |
| Dental | GUARDIAN | 164 | $292K |
| Vision | GUARDIAN | 164 | $292K |
| Life insurance | GUARDIAN | 164 | $292K |
| Short-term disability | GUARDIAN | 164 | $292K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 170 | $42K |
| Other | GUARDIAN | 164 | $292K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.