| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSENFIELD EINSTEIN3 | 870 SOUTH PLEASANTBURG DRIVE GREENVILLE, SC 29607 | BLUE CROSS BLUE SHIELD OF SC | $50K | — | $50K | 5.22% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S. PLEASANTBURG DR GREENVILLE, SC 29607 | UNUM LIFE INSURANCE COMPANY | $5K | $569 | $6K | 18.27% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMIN | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY | $142 | — | $142 | 0.46% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S. PLEASANTBURG DR GREENVILLE, SC 29607 | UNUM LIFE INSURANCE COMPANY | $3K | $439 | $4K | 15.74% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMIN | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY | $110 | — | $110 | 0.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 870 PLEASANTVILLE DR GREENVILLE, SC 29607 | UNUM LIFE INSURANCE CO | $919 | $122 | $1K | 15.72% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMINISTRATORS | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE CO | $31 | — | $31 | 0.47% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S. PLEASANTVILLE GREENVILLE, SC 29607 | UNUM LIFE INSURANCE COMPANY | $1K | $49 | $1K | 17.55% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S. PLEASANTVILLE GREENVILLE, SC 29607 | UNUM LIFE INSURANCE COMPANY | $497 | $77 | $574 | 15.01% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMIN | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY | $19 | — | $19 | 0.50% |
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 | 101 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SC | 78 | $964K |
| Life insurance | UNUM LIFE INSURANCE COMPANY | 101 | $4K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY | 28 | $24K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SC | 78 | $964K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY | 101 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 101 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.