| 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 | $19K | $8K | $27K | 16.06% |
| DAVID G ELLISON3 | 501 E MCBEE AVE GREENVILLE, SC 29601 | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $5K | $1K | $6K | 8.23% |
| RICHARD WORRELL LLC3 | 6235 MORRISON BLVD CHARLOTTE, NC 28211 | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $1K | $244 | $1K | 1.63% |
| CHARLES W MOSELEY3 | 32 PARKWAY COMMONS WAY GREER, SC 29650 | KANSAS CITY LIFE INSURANCE COMPANY | $3K | $0 | $3K | 14.89% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S PLEASANTBURG DRIVE GREENVILLE, SC 29607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $255 | $4K | 41.05% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMIN INC | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $42 | $0 | $42 | 0.45% |
| GROUP BENEFIT STRATEGIES LLC3 Filed as: GROUP BENEFIT STRATEGIES | 32 PARKWAY COMMONS WAY GREER, SC 29650 | METROPOLITAN LIFE INSURANCE COMPANY | $296 | $0 | $296 | 13.85% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GRP INC | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | METROPOLITAN LIFE INSURANCE COMPANY | $99 | $0 | $99 | 4.63% |
| EVAN S BROOKS4 | 14215 GRANTHAM CT FORT MILL, SC 29707 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $47 | $0 | $47 | 5.36% |
| BROOKS AND ASSOCIATES LLC4 Filed as: BROOKS & ASSOCIATES LLC | 14215 GRANTHAM CT FORT MILL, SC 29707 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $30 | $0 | $30 | 3.42% |
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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 153 | $171K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 153 | $171K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 153 | $171K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 6 | $2K |
| Long-term disability(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | 78 | $95K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 153 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.