| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSS SHERIDAN TAYLOR3 Filed as: ROSS TAYLOR | 1207 BURNING BUSH LANE WEST CHESTER, PA 19380 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $31K | $0 | $31K | 2.64% |
| ROSS S TAYLOR3 | 2694 SOUTH COOK STREET DENVER, CO 80210 | GUARDIAN LIFE INSURANCE CO | $3K | $0 | $3K | 5.34% |
| MAZZMAR LLC3 | 1767 SENTRY PARKWAY BLUE BELL, PA 19422 | GUARDIAN LIFE INSURANCE CO | $14 | $0 | $14 | 0.03% |
| ROSS S TAYLOR3 | 2694 SOUTH COOK STREET DENVER, CO 80210 | RELIANCE STANDARD | $6K | $0 | $6K | 16.68% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 5145 GREENVILLE, SC 29606 | RELIANCE STANDARD | $1K | $0 | $1K | 3.32% |
| ROSS S TAYLOR3 | 2694 SOUTH COOK STREET DENVER, CO 80210 | RELIANCE STANDARD | $3K | $0 | $3K | 16.78% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 5145 GREENVILLE, SC 29606 | RELIANCE STANDARD | $508 | $0 | $508 | 3.22% |
| ROSS S TAYLOR3 | 2694 SOUTH COOK STREET DENVER, CO 80210 | RELIANCE STANDARD | $2K | $0 | $2K | 16.20% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 5145 GREENVILLE, SC 29606 | RELIANCE STANDARD | $397 | $0 | $397 | 3.80% |
| ROSS S TAYLOR3 | 2694 SOUTH COOK STREET DENVER, CO 80210 | RELIANCE STANDARD | $1K | $0 | $1K | 16.68% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 5145 GREENVILLE, SC 29606 | RELIANCE STANDARD | $270 | $0 | $270 | 3.32% |
| TAYLORR,ROSS,S3 | 1207 BURNING BUSH LANE WEST CHESTER, PA 19380 | RELIANCE STANDARD | $528 | $0 | $528 | 7.69% |
| MARSH & MCLENNAN AGENCY LLC3 | 110 FRANKLIN RD SE STE 1100 ROANOKE, VA 24011 | RELIANCE STANDARD | $158 | $0 | $158 | 2.30% |
| ROSS S TAYLOR3 | 2694 SOUTH COOK STREET DENVER, CO 80210 | RELIANCE STANDARD | $616 | $0 | $616 | 17.90% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 5145 GREENVILLE, SC 29606 | RELIANCE STANDARD | $72 | $0 | $72 | 2.09% |
| ROSS S TAYLOR3 | 2694 SOUTH COOK STREET DENVER, CO 80210 | RELIANCE STANDARD | $219 | $0 | $219 | 16.65% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 5145 GREENVILLE, SC 29606 | RELIANCE STANDARD | $44 | $0 | $44 | 3.35% |
| ROSS S TAYLOR3 | 2694 SOUTH COOK STREET DENVER, CO 80210 | RELIANCE STANDARD | $156 | $0 | $156 | 12.30% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 5145 GREENVILLE, SC 29606 | RELIANCE STANDARD | $34 | $0 | $34 | 2.68% |
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 | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 98 | $1.2M |
| Dental | GUARDIAN LIFE INSURANCE CO | 91 | $52K |
| Vision | RELIANCE STANDARD | 50 | $7K |
| Life insurance | RELIANCE STANDARD | 112 | $8K |
| Short-term disability | RELIANCE STANDARD | 139 | $36K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 98 | $1.2M |
| Other(6 contracts) | RELIANCE STANDARD | 112 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.
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.