| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSENFELD EINSTEIN3 | 870 S PLEASANTBURG DRIVE GREENVILLE, SC 29607 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $44K | $0 | $44K | 3.57% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S PLEASANTBURG DRIVE GREENVILLE, SC 29607 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $58 | $5K | 4.68% |
| ROSENFELD EINSTEIN3 | 870 S PLEASANTBURG DRIVE GREENVILLE, SC 29607 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVENUE SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.37% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS PLANNING SYSTEMS INC | 19556 PLANTERS POINT DRIVE BOCA RATON, FL 33434 | METROPOLITAN LIFE INSURANCE COMPANY | $130 | $0 | $130 | 0.12% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S PLEASANTBURG DRIVE GREENVILLE, SC 29607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 4.39% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S PLEASANTBURG DRIVE GREENVILLE, SC 29607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 6.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH, USA INC. | PO BOX 5145 GREENVILLE, SC 29606 | COMPANION LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.72% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF SOUTH CAROLINA | I. 20 AT ALPINE ROAD COLUMBIA, SC 29219 | COMPANION LIFE INSURANCE COMPANY | $870 | $0 | $870 | 5.98% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS PLANNING SYSTEMS INC. | 19556 PLANTERS POINT DR BOCA RATON, FL 33434 | COMPANION LIFE INSURANCE COMPANY | $326 | $0 | $326 | 2.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH, USA INC | PO BOX 5145 GREENVILLE, SC 29606 | COMPANION LIFE INSURANCE COMPANY | $2K | $0 | $2K | 22.38% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF SOUTH CAROLINA | I. 20 AT ALPINE ROAD COLUMBIA, SC 29219 | COMPANION LIFE INSURANCE COMPANY | $1K | $0 | $1K | 13.14% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS PLANNING SYSTEMS INC | 19556 PLANTERS POINT DRIVE BOCA RATON, FL 33434 | COMPANION LIFE INSURANCE COMPANY | $414 | $0 | $414 | 3.89% |
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 | 199 | 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) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 162 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 367 | $109K |
| Vision | EYEMED VISION CARE | 214 | $13K |
| Life insurance(2 contracts) | COMPANION LIFE INSURANCE COMPANY | 199 | $25K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 211 | $23K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 211 | $16K |
| Other(2 contracts) | COMPANION LIFE INSURANCE COMPANY | 199 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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.