| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROKER NOT PROVIDED3 | — | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $2K | $0 | $2K | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC-SC-EINSTEIN ROSENFELD | — | DELTA DENTAL OF MISSOURI | $10K | $0 | $10K | 2.10% |
| WORKPLACE SOLUTIONS, INC.3 Filed as: WORKPLACE SOLUTIONS INC | 120-A GILLS CREEK PARKWAY COLUMBIA, SC 29209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $55K | $8K | $63K | 27.88% |
| BOUDREAUX, BEAU, DAVID3 Filed as: BOUDREAUX BEAU DAVID | 120-A GILLS CREEK PARKWAY COLUMBIA, SC 29209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 1.56% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | METLIFE LEGAL PLANS | $2K | $0 | $2K | 10.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DRIVE SUITE 100, BLDG 1 JOHNS CREEK, GA 30097 | METLIFE LEGAL PLANS | $0 | $182 | $182 | 1.22% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVENUE SUITE 400 SADDLE BROOK, NJ 07663 | METLIFE LEGAL PLANS | $0 | $34 | $34 | 0.23% |
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 | 1,602 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,613 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 1,059 | $8.4M |
| Dental | DELTA DENTAL OF MISSOURI | 1,926 | $494K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,015 | $120K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $243K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $269K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $40K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 1,059 | $8.4M |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 528 | $492K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,926 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.