| 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 | $10K | $5K | $15K | 15.30% |
| DAVID G ELLISON3 Filed as: DAVID G. ELLISON | 501 E. MCBEE AVENUE GREENVILLE, SC 29601 | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $4K | $930 | $5K | 6.69% |
| RICHARD WORRELL LLC3 | 6235 MORRISON BLVD. CHARLOTTE, SC 28211 | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $1K | $212 | $1K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 870 S PLEASANTBURG DRIVE GREENVILLE, SC 29607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $366 | $2K | 10.79% |
| GROUP BENEFIT STRATEGIES LLC3 Filed as: GROUP BENEFIT STRATEGIES | 32 PARKWAY COMMONS WAY GREER, SC 29650 | THE STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 13.74% |
| BROOKS AND ASSOCIATES LLC4 Filed as: BROOKS & ASSOCIATES LLC | 1332 HAHN CT FORT MILL, SC 29715 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $171 | $0 | $171 | 7.67% |
| EVAN S BROOKS4 | 1332 HAHN CT FORT MILL, SC 29715 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $109 | $0 | $109 | 4.89% |
| GROUP BENEFIT STRATEGIES LLC3 Filed as: GROUP BENEFIT STRATEGIES, LLC | 32 PARKWAY COMMONS WAY GREER, SC 29650 | METROPOLITAN LIFE INSURANCE COMPANY | $170 | $6 | $176 | 13.88% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 5110 N 40TH ST SUITE 234 PHOENIX, AZ 85018 | METROPOLITAN LIFE INSURANCE COMPANY | $57 | $8 | $65 | 5.13% |
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 | 133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 111 | $99K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 111 | $99K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 142 | $20K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4 | $1K |
| Long-term disability(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | 74 | $91K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 142 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.