| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY LLC | 870 S PLEASANTBURG DRIVE GREENVILLE, SC 29607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $5K | $25K | 6.30% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $838 | $13K | 3.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY LLC | 870 S PLEASANTBURG DRIVE GREENVILLE, SC 29607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $31K | $3K | $33K | 15.07% |
| GUCKERT, HUGO, CHRISTOPHER3 | 4500 BLACK ROCK ROAD SUITE 310 HAMPSTEAD, MD 21074 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $31K | $2K | $33K | 14.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY LLC | 870 S PLEASANTBURG DRIVE GREENVILLE, SC 29607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $3K | $11K | 7.00% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMINISTATION | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $924 | $6K | 3.57% |
| MARSH & MCLENNAN AGENCY LLC3 | ROSENFELD EINSTEIN PO BOX 5145 GREENVILLE, SC 29606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19K | $0 | $19K | 12.60% |
| PHILLIP GOODRUM3 | 131 HILLSIDE AVE CHARLOTTE, NC 28209 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $397 | $0 | $397 | 0.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY LLC | 870 S P1EASANTBURG DRIVE GREENVILLE, SC 29607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $3K | $13K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 5145 GREENVILLE, SC 29606 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY LLC | 870 S PLEASANTBURG DRIVE GREENVILLE, SC 29607 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $428 | $11K | 21.34% |
| GUCKERT, HUGO, CHRISTOPHER3 | 4500 BLACK ROCK ROAD SUITE 310 HAMPSTEAD, MD 21074 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $0 | $10K | 20.48% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION | 4400 PARK RD STE 307 CHARLOTTE, NC 28209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $428 | $428 | 0.86% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES WEST, INC. | 707 WILSHIRE BLVD #2600 LOS ANGELES, CA 90017 | FEDERAL INSURANCE COMPANY | $749 | $0 | $749 | 15.00% |
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 | 1,031 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 26 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,066 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 403 | $147K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,410 | $114K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 986 | $616K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 986 | $403K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 986 | $537K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,031 | $938K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,410 | — |
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.