| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSENFIELD EINSTEIN3 | 870 S PLEASANTBURG DRIVE GREENVILLE, SC 29607 | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | $59K | $0 | $59K | 5.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC - SC | ROSENFELD EINSTEIN GREENVILLE, SC 29606 | DELTA DENTAL OF MISSOURI | $16K | $0 | $16K | 13.52% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S PLEASANTBURG DRIVE GREENVILLE, SC 29607 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $0 | $5K | 11.29% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVENUE PARK 80 WEST, PLAZA 2, SUITE 400 SADDLE BROOK, NJ 07663 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $881 | $881 | 1.88% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S PLEASANTBURG DRIVE GREENVILLE, SC 29607 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $74 | $5K | 14.58% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $620 | $620 | 1.86% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 5145 GREENVILLE, SC 29606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 13.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY LLC | 870 S PLEASANTBURG DRIVE GREENVILLE, SC 29607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $1K | $13K | 70.73% |
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 | 348 | 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) | 348 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 81 | $1.1M |
| Dental | DELTA DENTAL OF MISSOURI | 335 | $118K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 348 | $54K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 348 | $54K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 184 | $47K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 184 | $47K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 348 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 348 | — |
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.