| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSENFELD EINSTEIN3 | MARSH USA, INCORPORATED 870 SOUTH PLEASANTBURG DRIVE GREENVILLE, SC 29607 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $2K | $0 | $2K | 0.07% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.50% |
| ROSENFELD EINSTEIN3 | A MARSH MCLENNAN AGENCY LLC 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $2K | $10K | 10.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 870 PLEASANTBURG DR GREENVILLE, SC 29607 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $76 | $3K | 3.95% |
| GOODDRUM PHILLIP PORTER3 | 6230 FAIRVIEW RD STE 210 CHARLOTTE, NC 28210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 3.85% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSG ROAD RALEIGH, NC 27612 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $780 | $0 | $780 | 1.04% |
| I BENEFIT COMMUNICATION LLC3 | ATT PHILLIP GOODRUM 131 HILLSIDE AVE CHARLOTTE, NC 28209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $75 | $75 | 0.10% |
| ROSENFELD EINSTEIN3 | A MARSH MCLENNAN AGENCY LLC 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $915 | $6K | 10.91% |
| ROSENFELD EINSTEIN3 | MARSH MCLENNAN AGENCY LLC 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $728 | $5K | 10.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | UNUM INSURANCE COMPANY | $3K | $453 | $4K | 9.01% |
| IBENEFIT COMMUNICATION LLC3 | ATT PHILLIP GOODRUM 131 HILLSIDE AVE CHARLOTTE, NC 28209 | UNUM INSURANCE COMPANY | $3K | $264 | $3K | 8.55% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM INSURANCE COMPANY | $891 | $0 | $891 | 2.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | UNUM INSURANCE COMPANY | $2K | $326 | $2K | 11.39% |
| IBENEFIT COMMUNICATION LLC3 | ATT PHILLIP GOODRUM 131 HILLSIDE AVE CHARLOTTE, NC 28209 | UNUM INSURANCE COMPANY | $2K | $189 | $2K | 10.73% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM INSURANCE COMPANY | $54 | $0 | $54 | 0.26% |
| ROSENFELD EINSTEIN3 | A MARSH MCLENNAN AGENCY LLC 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $708 | $134 | $842 | 10.88% |
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 | 289 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 240 | $2.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 354 | $156K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 354 | $156K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 289 | $166K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 201 | $42K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 289 | $52K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 240 | $2.3M |
| Other(3 contracts, 2 carriers) | UNUM INSURANCE COMPANY | 289 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 354 | — |
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.