| 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 | $242K | — | $242K | 4.10% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY | 1 SOUTH JEFFERSON STREE ROANOKE, VA 24011 | BLUECROSS BLUE SHIELD OF SOUTH CAROLINA | $35K | — | $35K | 10.05% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 N PRIMA RD STE210 SCOTTSDALE, AZ 85255 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $7K | $7K | $14K | 12.13% |
| MARSH & MCLENNAN AGENCY LLC | 2301 SUGAR BUSH RD RALEIGH, NC 27612 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45K | — | $45K | 39.30% |
| SIMONE HITE | 442 S PRINCE LANCE SPRINGFIELD, MO 65802 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 3.07% |
| SEFORA BILLUPS | 410 HALL RD MACOMB, MO 65702 | CONTINENTAL AMERICAN INSURANCE COMPANY | $856 | — | $856 | 0.75% |
| ZACHARY L SMITH Filed as: ZACHARY SMITH | 319 N. MAIN AVE SPRINGFIELD, MO 65806 | CONTINENTAL AMERICAN INSURANCE COMPANY | $476 | — | $476 | 0.42% |
| PADGETT S SMITH LLC | 2131 W REPUBLIC RD SPRINGFIELD, MO 65807 | CONTINENTAL AMERICAN INSURANCE COMPANY | $60 | — | $60 | 0.05% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 N PRIMA RD STE210 SCOTTSDALE, AZ 85255 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $6K | $6K | $12K | 12.36% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY | 2301 SUGAR BUSH RD STE 600 RALEIGH, NC 276123382 | VSP | $1K | — | $1K | 1.75% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 N PIMA RD STE210 SCOTTSDALE, AZ 85255 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $4K | $4K | $8K | 12.15% |
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 | 905 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 918 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 539 | $5.9M |
| Dental | BLUECROSS BLUE SHIELD OF SOUTH CAROLINA | 582 | $346K |
| Vision | VSP | 527 | $68K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 748 | $117K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 215 | $62K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 596 | $97K |
| Prescription drug | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 539 | $5.9M |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 541 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 748 | — |
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.
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.