| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSENFELD EINSTEIN3 | MARSH USA INCORPORATED 870 SOUTH PLANSANTBURG DRIVE GREENVILLE, SC 29607 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $3K | $0 | $3K | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET CONSHOHOCKEN, PA 19428 | DELTA DENTAL OF MISSOURI | $14K | $4K | $18K | 3.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $5K | $5K | 1.57% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $6K | $6K | 1.85% |
| WORKPLACE SOLUTIONS, INC.3 Filed as: WORKPLACE SOLUTIONS INC | 120-A GILLS CREEK PARKWAY COLUMBIA, SC 29209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $37K | $4K | $42K | 21.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY LLC | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $9K | 4.63% |
| BOUDREAUX, BEAU, DAVID3 Filed as: BOUDREAUX BEAU DAVID | 120 GILLS CREEK PARKWAY COLUMBIA, SC 29209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 0.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 S JEFFERSON ST ROANOKE, VA 24011 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 0.68% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $3K | $3K | 2.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY LLC | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 17.21% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | MSC 17704 PO BOX 1447 LINCOLNSHIRE, IL 60069 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 9.60% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | METLIFE LEGAL PLANS | $2K | $21 | $2K | 9.38% |
| 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 | $241 | $241 | 1.14% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | METLIFE LEGAL PLANS | $0 | $87 | $87 | 0.41% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTH, INC. | 200 E. RANDOLPH STREET CHICAGO, IL 60601 | METLIFE LEGAL PLANS | $0 | $24 | $24 | 0.11% |
| MARSH & MCLENNAN AGENCY LLC3 | — | METLIFE LEGAL PLANS | $0 | $2 | $2 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC | 2300 RENAISSANCE BOULEVARD KING OF PRUSIA, PA 19496 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $213 | $213 | 1.48% |
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 | 1,821 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 83 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,911 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 1,184 | $10.8M |
| Dental | DELTA DENTAL OF MISSOURI | 2,165 | $582K |
| Vision | EYEMED VISION CARE | 2,053 | $113K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $346K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $326K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $147K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 1,184 | $10.8M |
| Other(5 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 458 | $598K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,165 | — |
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.
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.