| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 5145 GREENVILLE, SC 29606 | AMERITAS LIFE INSURANCE CORP. | $6K | $0 | $6K | 2.57% |
| BAIN JR, EUGENE3 Filed as: BAIN, EARL, EUGENE | PO BOX 53574 FAYETTEVILLE, NC 28305 | AMERITAS LIFE INSURANCE CORP. | $1K | $0 | $1K | 0.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY LLC | 870 SOUTH PLEASANTBURG DR GREENVILLE, SC 29607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $11K | 19.94% |
| BAIN JR, EUGENE3 Filed as: BAIN, EARL, EUGENE | PO BOX 53574 FAYETTEVILLE, NC 28305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $134 | $5K | 9.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY LLC | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $196 | $2K | 4.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY LLC | 870 SOUTH PLEASANTBURG DR GREENVILLE, SC 29607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $861 | $4K | 11.48% |
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 | 291 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 402 | $219K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 402 | $219K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 208 | $92K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 208 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 402 | — |
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.