| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INCORPORATED | 870 SOUTH PLEASANTBURG DR GREENVILLE, SC 29607 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $212K | $0 | $212K | 3.70% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 5145 GREENVILLE, SC 29606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $123K | $34K | $158K | 13.30% |
| MARSH & MCLENNAN AGENCY LLC3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $30K | $1K | $31K | 4.20% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | KAISER FOUNDATION HEALTH PLAN INC | $18K | $0 | $18K | 3.80% |
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 | 827 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 852 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 513 | $6.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 827 | $1.2M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 827 | $1.2M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 827 | $1.2M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 827 | $1.2M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 827 | $1.2M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 513 | $5.7M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 827 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 827 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.