| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD OF SC | 200 DOZIER BLVD FLORENCE, SC 29501 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | — | $174K | $174K | 15.48% |
| RUTHERFORD FINANCIAL SERVICES INC.3 | 5605 CARNEGIE BLVD STE 300 CHARLOTTE, NC 28209 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $3K | — | $3K | 3.98% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $3K | — | $3K | 3.18% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD, SUITE 220 RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 8.69% |
| PLAN BENEFIT SERVICES INC3 Filed as: PLAN BENEFIT SERVICES INC. | PO BOX 2307 COLUMBIA, SC 292022307 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $809 | — | $809 | 4.21% |
| RUTHERFORD FINANCIAL SERVICES INC.4 | PO BOX 12748 ROANOKE, VA 24028 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $182 | — | $182 | 0.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, MARSH & MCLENNAN | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $71 | $71 | 0.37% |
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 | 220 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 112 | $1.1M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 114 | $13K |
| Life insurance | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 220 | $87K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 220 | $87K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 220 | $87K |
| Other | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 220 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.