| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 5145 GREENVILLE, SC 29606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 9.97% |
| DAVID G ELLISON3 Filed as: DAVID G. ELLISON | 501 E. MCBEE AVENUE GREENVILLE, SC 29601 | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $5K | $1K | $6K | 7.87% |
| JOHN D TYLER3 Filed as: JOHN B. TRIPOLI | 501 E. MCBEE AVENUE GREENVILLE, SC 29601 | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $762 | $180 | $942 | 1.32% |
| RICHARD WORRELL LLC3 | 6235 MORRISON BLVD. CHARLOTTE, NC 28211 | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $677 | $60 | $737 | 1.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 870 S PLEASANTBURG DRIVE GREENVILLE, SC 29607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $277 | $2K | 12.00% |
| GROUP BENEFIT STRATEGIES LLC3 Filed as: GROUP BENEFIT STRATEGIES | 32 PARKWAY COMMONS WAY GREER, SC 29650 | THE STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 14.99% |
| GROUP BENEFIT STRATEGIES LLC3 Filed as: GROUP BENEFIT STRATEGIES, LLC | 32 PARKWAY COMMONS WAY GREER, SC 29650 | METROPOLITAN LIFE INSURANCE COMPANY | $173 | $29 | $202 | 52.88% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 5110 N 40TH ST SUITE 234 PHOENIX, AZ 85018 | METROPOLITAN LIFE INSURANCE COMPANY | $58 | $0 | $58 | 15.18% |
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 | 131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 103 | $82K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 103 | $82K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 131 | $14K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1 | $382 |
| Long-term disability(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | 67 | $83K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 131 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.