| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSENFELD EINSTEIN3 | 870 S PLEASANTBURG DRIVE GREENVILLE, SC 29607 | BLUECHOICE HEALTHPLAN | $82K | $0 | $82K | 5.06% |
| ROSENFELD EINSTEIN3 | 870 S PLEASANTBURG DRIVE GREENVILLE, SC 29607 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | $0 | $8K | 10.11% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVENUE PARK 80 WEST PLAZA TWO SUITE 400 SADDLE BROOK, NJ 07663 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $2K | $2K | 2.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S PLEASANTBURG DRIVE GREENVILLE, SC 29607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $1K | $12K | 29.39% |
| ROSENFELD EINSTEIN3 | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | EYEMED VISION CARE | $1K | $0 | $1K | 14.17% |
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 | 199 | 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) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECHOICE HEALTHPLAN | 207 | $1.6M |
| Dental(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 227 | $158K |
| Vision | EYEMED VISION CARE | 185 | $8K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 128 | $80K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 128 | $80K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 211 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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.