| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOWARD EINSTEIN3 | ROSENFELD EISTEIN 515 MCDANIEL AVENUE GREENVILLE, SC 29605 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $3K | $0 | $3K | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | BOUCHARD INS, AN MMA COMPANY CLEARWATER, FL 33758 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $121K | $0 | $121K | 14.67% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $195 | $195 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | VISION SERVICE PLAN | $11K | $0 | $11K | 9.16% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $0 | $17K | 16.41% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 11557 RICHMOND, VA 23230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 1.16% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT | ADMINISTRATION INC. PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $906 | $0 | $906 | 0.89% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | UNUM INSURANCE COMPANY | $10K | $1K | $11K | 15.61% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM INSURANCE COMPANY | $641 | $0 | $641 | 0.92% |
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 | 935 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 941 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 822 | $11.3M |
| Vision | VISION SERVICE PLAN | 743 | $121K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 935 | $826K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 935 | $826K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 822 | $11.3M |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,006 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,006 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.