| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 5145 GREENVILLE, SC 29606 | BLUECHOICE HEALTH PLAN | $81K | $0 | $81K | 4.11% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 5145 GREENVILLE, SC 29606 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $24K | $12K | $36K | 9.90% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS COUNCILMAN MICHAELS | 555 FAIRMOUNT AVE BALTIMORE, MD 21286 | UNUM LIFE INSURANCE OF AMERICA | $149 | $27 | $176 | 2.49% |
| CORNERSTONE FINANCIAL LLP3 | 1 E FRANKLIN ST STE 300 BALTIMORE, MD 21202 | UNUM LIFE INSURANCE OF AMERICA | $149 | $22 | $171 | 2.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY LLC | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | UNUM LIFE INSURANCE OF AMERICA | $54 | $22 | $76 | 1.08% |
| GALLACHER BENEFIT SERVICES INC3 Filed as: GALLACHER BENEFIT SERVICES | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | EYE MED | $23 | $0 | $23 | 2.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6330 S 3000 E STE 670 SALT LAKE CITY, UT 84121 | SUN LIFE ASSURANCE OF CANADA | $96 | $0 | $96 | 13.69% |
| GALLACHER BENEFIT SERVICES INC3 | 2345 GRAND BLVD STE 400 KANSAS CITY, MO 64108 | SUN LIFE ASSURANCE OF CANADA | $0 | $16 | $16 | 2.28% |
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 | 414 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 414 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECHOICE HEALTH PLAN | 240 | $2.0M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 296 | $359K |
| Vision(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 296 | $360K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 296 | $366K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 296 | $366K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 296 | $366K |
| Prescription drug | BLUECHOICE HEALTH PLAN | 240 | $2.0M |
| Other(4 contracts, 4 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 296 | $367K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.