| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSENFELD EINSTEIN3 Filed as: ROSENFELD EINSTEIN EMPLOYEE BENEFIT | 870 S PLEASAMTNURG DR GREENVILLE, SC 29607 | BLUECHOICE HEALTHPLAN | $11K | $0 | $11K | 0.99% |
| ROSENFELD EINSTEIN3 Filed as: ROSENFELD EINSTEIN EMPLOYEE BENEFIT | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | SUN LIFE ASSURANCE OF CANADA | $11K | $0 | $11K | 7.91% |
| BRANDON S FLEMING3 | 103 WEST RIDGE DRIVE TRAVELERS REST, SC 29690 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | $0 | $15K | 35.43% |
| STEPHEN C PRICE3 | 730 BRITTON ST ANDERSON, SC 29621 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 9.39% |
| AMANDA L HARVEY3 | 22 HILLCREEK BLVD CHARLESTON, SC 29412 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 7.94% |
| JUSTIN M GUIDI3 | 555 N. PLEASANTBURG DR SUITE 200 GREENVILLE, SC 29607 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 7.11% |
| HOLLY LARSEN3 | 329 RAVENS VIEW DR SENECA, SC 29678 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 6.01% |
| KRISTIN SWISHER-MCFADDEN3 Filed as: KRISTIN G SWISHER | 4975 LACROSS RD STE 201 CHARLESTON, SC 29406 | CONTINENTAL AMERICAN INSURANCE COMPANY | $376 | $0 | $376 | 0.88% |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECHOICE HEALTHPLAN | 161 | $1.1M |
| Dental | SUN LIFE ASSURANCE OF CANADA | 138 | $134K |
| Life insurance | SUN LIFE ASSURANCE OF CANADA | 138 | $134K |
| Short-term disability | SUN LIFE ASSURANCE OF CANADA | 138 | $134K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 118 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.