| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF SOUTH CAROLINA | 1.20 AT ALPINE ROAD COLUMBIA, SC 29219 | COMPANION LIFE | $2K | $21 | $3K | 2.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: RUTHERFOORD BENEFIT SERVICES | 5605 CARNEGIE BLVD CHARLOTTE, NC 28209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 4.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: RUTHERFOORD BENEFIT SERVICES | 5605 CARNEGIE BLVD CHARLOTTE, NC 28209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 4.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: RUTHERFOORD BENEFIT SERVICES | 5605 CARNEGIE BLVD CHARLOTTE, NC 28209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 7.42% |
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 | 430 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 433 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COMPANION LIFE | 283 | $116K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 339 | $116K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 151 | $110K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 151 | $35K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 339 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 339 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.