| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSENFELD EINSTEIN3 | 870 SOUTH PLEASANTBURG DRIVE GREENVILLE, SC 29607 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $36K | $0 | $36K | 2.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 115 CENTRAL ISLAND STREET SUITE 100 DANIEL ISLAND, SC 29492 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $18K | $0 | $18K | 1.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 870 S PLEASANTBURG DRIVE GREENVILLE, SC 29607 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 7.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 115 CENTRAL ISLAND STREET SUITE 100 CHARLESTON, SC 29492 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 3.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 400 MIDLAND DRIVE SUITE 300 MT LAUREL, NJ 08054 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 1.59% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $61 | $61 | 0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 115 CENTRAL ISLAND STREET SUITE 100 CHARLESTON, SC 29492 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $75 | $9K | 7.10% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S PLEASANTBURG DRIVE GREENVILLE, SC 29607 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $74 | $8K | 6.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 100 MATSONFORD RD SUITE 510 RADNOR, PA 19087 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $7 | $7 | 0.01% |
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 | 154 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 118 | $1.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 502 | $124K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 502 | $124K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 193 | $160K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 193 | $160K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 193 | $160K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 118 | $1.8M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 193 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 502 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.