| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSENFELD EINSTEIN3 Filed as: ROSENFELD EINSTEIN EMPLOYEE BENEFIT | 870 S PLEASAMTNURG DRIVE GREENVILLE, SC 29607 | BLUECHOICE HEALTHPLAN | $59K | $0 | $59K | 4.58% |
| ROSENFELD EINSTEIN3 Filed as: ROSENFELD EINSTEIN EMPLOYEE BENEFIT | 870 S PLEASANTBURG DRIVE GREENVILLE, SC 29607 | SUN LIFE ASSURANCE OF CANADA | $9K | $0 | $9K | 8.26% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVENUE PARK 80 WEST PLAZA TWO SUITE 400 SADDLE BROOK, NJ 07663 | SUN LIFE ASSURANCE OF CANADA | $0 | $2K | $2K | 1.43% |
| BRANDON S FLEMING3 | 103 WEST RIDGE DRIVE TRAVELERS REST, SC 29690 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 20.56% |
| JUSTIN M GUIDI3 | 555 N. PLEASANTBURG DR SUITE 200 GREENVILLE, SC 29607 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.36% |
| ALH BENEFITS LLC3 | 2518 PRIVATE LEFLER DR JOHNS ISLAND, SC 29455 | CONTINENTAL AMERICAN INSURANCE COMPANY | $593 | $0 | $593 | 1.23% |
| STEPHEN C PRICE3 | 730 BRITTON ST ANDERSON, SC 29621 | CONTINENTAL AMERICAN INSURANCE COMPANY | $584 | $0 | $584 | 1.21% |
| HOLLY LARSEN3 | 3107 GLEN FOREST DR GREENVILLE, SC 29607 | CONTINENTAL AMERICAN INSURANCE COMPANY | $371 | $0 | $371 | 0.77% |
| KRISTIN SWISHER-MCFADDEN3 Filed as: KRISTIN G SWISHER | 4975 LACROSS RD STE 201 N. CHARLESTON, SC 29406 | CONTINENTAL AMERICAN INSURANCE COMPANY | $76 | $0 | $76 | 0.16% |
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 | 195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECHOICE HEALTHPLAN | 180 | $1.3M |
| Dental | SUN LIFE ASSURANCE OF CANADA | 110 | $109K |
| Life insurance | SUN LIFE ASSURANCE OF CANADA | 110 | $109K |
| Short-term disability | SUN LIFE ASSURANCE OF CANADA | 110 | $109K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 118 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.