| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY LLC | 340 S PINE STREET SPARTANBURG, SC 29302 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $54K | — | $54K | 6.83% |
| STEINBERG & ASSOCIATES, INC.3 | 340 S PINE STREET SPARTANBURG, SC 29302 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 0.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY LLC-STEINBERG | PO BOX 350 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | $33 | $32K | 14.95% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 2.57% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | — | $45 | $45 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 340 SOUTH PINE STREET SPARTANBURG, SC 29302 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $2K | $14K | 12.12% |
| THE CASON GROUP INC3 | 1612 MARION STREET 4TH FLOOR COLUMBIA, SC 29201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 5.00% |
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 | 260 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 257 | $788K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 175 | $117K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 464 | $214K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 464 | $214K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 464 | $214K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 464 | $214K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 464 | $214K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 464 | — |
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.