| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: ROSENFIELD EINSTEIN MARSH USA INC | 870 S. PLEASANTBURG DRIVE GREENVILLE, SC 29607 | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | $53K | — | $53K | 5.33% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S. PLEASANTBURG DRIVE GREENVILLE, SC 29607 | STARMOUNT LIFE INSURANCE COMPANY | $7K | $1K | $8K | 15.39% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | STARMOUNT LIFE INSURANCE COMPANY | $554 | — | $554 | 1.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S. PLEASANTBURG DRIVE GREENVILLE, SC 29607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $635 | $6K | 21.86% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $263 | — | $263 | 0.91% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S. PLEASANTBURG DRIVE GREENVILLE, SC 29607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $468 | $4K | 18.39% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $197 | — | $197 | 0.91% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S. PLEASANTBURG DRIVE GREENVILLE, SC 29607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $96 | $1K | 16.79% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $57 | — | $57 | 0.77% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S. PLEASANTBURG DRIVE GREENVILLE, SC 29607 | UNUM INSURANCE COMPANY | $683 | $105 | $788 | 15.00% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM INSURANCE COMPANY | $44 | — | $44 | 0.84% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S. PLEASANTBURG DRIVE GREENVILLE, SC 29607 | UNUM INSURANCE COMPANY | $838 | $112 | $950 | 18.66% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM INSURANCE COMPANY | $46 | — | $46 | 0.90% |
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 | 115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 89 | $55K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 89 | $55K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 114 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.
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.