| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOWARD EINSTEIN3 | 515 MCDANIEL AVENUE GREENVILLE, SC 29605 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $102K | $0 | $102K | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $4K | $18K | 13.15% |
| MARSH & MCLENNAN AGENCY LLC5 | 870 S PLEASENTBURG DR GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY LLC | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $6K | $19K | 21.24% |
| MARSH & MCLENNAN AGENCY LLC5 Filed as: MARSH & MCLENNAN AGCY LLC | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $4K | $13K | 21.34% |
| MARSH & MCLENNAN AGENCY LLC5 | 870 S PLEASENTBURG DR GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $3K | $10K | 21.24% |
| MARSH & MCLENNAN AGENCY LLC5 | 870 S PLEASENTBURG DR GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 SOUTH PLEASANTBURG DR GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $5K | 21.16% |
| MARSH & MCLENNAN AGENCY LLC5 | 870 S PLEASENTBURG DR GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $755 | $755 | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY LLC | 870 SOUTH PLEASANTBURG DR GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $5K | 21.31% |
| MARSH & MCLENNAN AGENCY LLC5 Filed as: MARSH & MCLENNAN AGCY LLC | 870 S PLEASENTBURG DR GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $723 | $723 | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 16.47% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $4K | 21.37% |
| MARSH & MCLENNAN AGENCY LLC5 | 870 S PLEASENTBURG DR GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $497 | $497 | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 5605 CARNEGIE BLVD STE 300 CHARLOTTE, NC 28209 | HARTFORD LIFE AND ACCIDENT | $259 | $43 | $302 | 17.48% |
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 | 185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 146 | $2.5M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 148 | $140K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 129 | $24K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 184 | $24K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 183 | $47K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 184 | $89K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 146 | $2.5M |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 184 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.
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.