| 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 | $47K | $0 | $47K | 14.69% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET FLOOR 4 NEW YORK, NY 100144500 | UNITEDHEALTHCARE INSURANCE COMPANY | -$29K | $0 | -$29K | -9.25% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 5145 GREENVILLE, SC 29606 | GUARDIAN | $38K | $10K | $48K | 15.46% |
| 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 | $2K | $6K | 15.89% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $112K |
| SCHALLER INVESTMENT GROUP INC EIN 56-1948548 ADVISOR | Investment advisory (plan) Service code 27 | — | $63K |
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 | 409 | 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) | 409 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 171 | $308K |
| Vision | GUARDIAN | 171 | $308K |
| Life insurance | GUARDIAN | 171 | $308K |
| Short-term disability | GUARDIAN | 171 | $308K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 166 | $36K |
| Other | GUARDIAN | 171 | $308K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 409 | — |
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.