| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY | 1 SOUTH JEFFERSON STREET ROANOKE, VA 24011 | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | $212K | — | $212K | 3.93% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY | 1 SOUTH JEFFERSON STREE ROANOKE, VA 24011 | BLUECROSS BLUE SHIELD OF SOUTH CAROLINA | $30K | — | $30K | 9.95% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 N PRIMA RD STE210 SCOTTSDALE, AZ 85255 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $2K | $1K | $4K | 5.10% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 N PRIMA RD STE210 SCOTTSDALE, AZ 85255 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $2K | $1K | $3K | 4.82% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY | 2301 SUGAR BUSH RD STE 600 RALEIGH, NC 276123382 | VSP | $2K | — | $2K | 3.46% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 N PIMA RD STE210 SCOTTSDALE, AZ 85255 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $2K | $790 | $2K | 5.25% |
| MARSH & MCLENNAN AGENCY LLC | 2301 SUGAR BUSH RD RALEIGH, NC 27612 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18K | — | $18K | 55.29% |
| SIMONE HITE | 442 S PRINCE LANCE SPRINGFIELD, MO 65802 | CONTINENTAL AMERICAN INSURANCE COMPANY | $766 | — | $766 | 2.31% |
| SEFORA BILLUPS | 410 HALL RD MACOMB, MO 65702 | CONTINENTAL AMERICAN INSURANCE COMPANY | $201 | — | $201 | 0.61% |
| ZACHARY L SMITH Filed as: ZACHARY SMITH | 319 N. MAIN AVE SPRINGFIELD, MO 65806 | CONTINENTAL AMERICAN INSURANCE COMPANY | $111 | — | $111 | 0.34% |
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 | 877 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 891 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 689 | $5.4M |
| Dental | BLUECROSS BLUE SHIELD OF SOUTH CAROLINA | 656 | $300K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,010 | $74K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 178 | $46K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,088 | $71K |
| Prescription drug | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 689 | $5.4M |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 367 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,088 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.