| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 5145 GREENVILLE, SC 29606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $5K | $19K | 15.00% |
| DAVID G ELLISON3 Filed as: DAVID G. ELLISON | 501 E. MCBEE AVENUE GREENVILLE, SC 29601 | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $5K | $1K | $6K | 8.45% |
| RICHARD WORRELL LLC3 | 6235 MORRISON BLVD. CHARLOTTE, NC 28211 | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $1K | $254 | $1K | 1.77% |
| GROUP BENEFIT STRATEGIES LLC3 Filed as: GROUP BENEFIT STRATEGIES | 32 PARKWAY COMMONS WAY GREER, SC 29650 | THE STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 16.41% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S PLEASANTBURG DRIVE GREENVILLE, SC 29607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $341 | $2K | 13.97% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S PLEASANTBURG DRIVE GREENVILLE, SC 29607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $299 | $4K | 71.36% |
| BROOKS AND ASSOCIATES LLC4 Filed as: BROOKS & ASSOCIATES LLC | 1332 HAHN CT FORT MILL, SC 29715 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $183 | $0 | $183 | 11.85% |
| EVAN S BROOKS4 | 1332 HAHN CT FORT MILL, SC 29715 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $68 | $0 | $68 | 4.40% |
| GROUP BENEFIT STRATEGIES LLC3 Filed as: GROUP BENEFIT STRATEGIES, LLC | 32 PARKWAY COMMONS WAY GREER, SC 29650 | METROPOLITAN LIFE INSURANCE COMPANY | $239 | $59 | $298 | 20.44% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 5110 N 40TH ST SUITE 234 PHOENIX, AZ 85018 | METROPOLITAN LIFE INSURANCE COMPANY | $80 | $3 | $83 | 5.69% |
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 | 144 | 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) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 117 | $127K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 117 | $127K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 144 | $142K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 5 | $1K |
| Long-term disability(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | 73 | $89K |
| Other(4 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 144 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.