| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSENFELD EINSTEIN3 Filed as: ROSENFELD EINSTEIN EMPLOYEE BENEFIT | P.O. BOX 5145 GREENVILLE, SC 29606 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $56K | — | $56K | 3.58% |
| ROSENFELD EINSTEIN3 | A MARSH MCLENNON AGENCY LLC POST OFFICE BOX 5145 GREENVILLE, SC 29606 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | — | $10K | $10K | 5.27% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $1K | $8K | 12.41% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $486 | $5K | 21.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S PLEASANTBURG DRIVE GREENVILLE, SC 29607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 14.92% |
| PLAN SOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $668 | — | $668 | 2.98% |
| MARSH & MCLENNAN AGENCY LLC3 | DBA ROSENFELD EINSTEIN P.O. BOX 5145 GREENVILLE, SC 29606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 3.95% |
| KAREN TOBIAS3 | 1366 DUNRAVEN DRIVE MURFREESBORO, TN 37128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 1.02% |
| KEITH TOBIAS3 | 1366 DUNRAVEN DRIVE MURFREESBORO, TN 37128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.44% |
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 | 164 | 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) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 142 | $1.6M |
| Dental | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 132 | $186K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 164 | $88K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 164 | $64K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 142 | $1.6M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 164 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.