| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA AND MCLENNON AGENCY LLC | 870 SOUTH PLEASANTBURG DRIVE GREENVILLE, SC 29607 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $49K | — | $49K | 3.56% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $42 | $3K | 3.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400, PARK 80, PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH, USA INC. | PO BOX 5145 GREENVILLE, SC 29606 | COMPANION LIFE | $4K | — | $4K | 14.54% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF SOUTH CAROLINA | I20 AT ALPINE ROAD COLUMBIA, SC 29219 | COMPANION LIFE | $2K | — | $2K | 7.30% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 8.80% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 14.50% |
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 | 212 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 58 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 168 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 352 | $101K |
| Vision | EYEMED VISION CARE | 259 | $15K |
| Life insurance | COMPANION LIFE | 199 | $28K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 212 | $23K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 212 | $16K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 168 | $1.4M |
| Other | COMPANION LIFE | 199 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 352 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.