| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSENFELD EINSTEIN3 | MARSH USA, INCORPORATED 870 SOUTH PLEASANTBURG DRIVE GREENVILLE, SC 29607 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $113K | — | $113K | 2.54% |
| MARK P ENSLEY3 | 6 WANDFLOWER CT SIMPSONVILLE, SC 29680 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | — | $15K | 11.33% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL 16TH FLOOR DALLAS, TX 75231 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 8.54% |
| MICHELE BIANCA JAIN3 | 4 RIVERSIDE DRIVE GREENVILLE, SC 29605 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.38% |
| KERRY COLVIN3 | 501 ROYAL DUTCH LN SIMPSONVILLE, SC 29681 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.05% |
| SCOTT SIBLEY3 | 532 SCENIC OAK DRIVE MOORE, SC 29369 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.44% |
| HEATHER LAWSON3 | 555 N. PLEASANTBURG DR STE 200 GREENVILLE, SC 29607 | CONTINENTAL AMERICAN INSURANCE COMPANY | $919 | — | $919 | 0.68% |
| JUSTIN M GUIDI3 | 10785 E. GELDING DRIVE SCOTTSDALE, AZ 85255 | CONTINENTAL AMERICAN INSURANCE COMPANY | $270 | — | $270 | 0.20% |
| CANDACE HUGHEY SAMS3 | 1572 SANDPOINT DR ROSWELL, GA 30075 | CONTINENTAL AMERICAN INSURANCE COMPANY | $57 | — | $57 | 0.04% |
| JUDITH A POTWORA3 | 7 BIRCHSTONE COURT SIMPSONVILLE, SC 29681 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50 | — | $50 | 0.04% |
| LYNN WARDLAW3 | 187 SOUTH CULVER ST LAWRENCEVILLE, GA 30046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | — | $24 | 0.02% |
| ROBERT LEE HESLEP JR3 | 6680 RIVER ISLAND CIRCLE BUFORD, GA 30518 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.02% |
| REBECCA K BENTON3 Filed as: REBECCA KAY BENTON | 207 TWIN FALLS DRIVE SIMPSONVILLE, SC 29680 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.01% |
| LINDA D MABE3 | 764 JODY RD CARTHAGE, NC 28327 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.01% |
| KATHRYN T WHITE3 | 12 EL PASO DRIVE GREENVILLE, SC 29617 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.01% |
| ALISON MARIE GUIDI3 | 10785 E GELDING DR SCOTTSDALE, AZ 852551737 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.01% |
| DONNA L MATTHEWS3 | 1151 CAMDEN AVE ROCK HILL, SC 29732 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.01% |
| THELMA BELL3 | 3937 QUARTER TRAIL W.COLUMBIA, SC 29172 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.01% |
| KIRSTEN COLLETTE FRYER3 | 106 SALEM RD LADSON, SC 29456 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.01% |
| JOSEPH B NEYLAND3 | 3985 MANOR HOUSE DRIVE MARIETTA, GA 30062 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| ALICIA B CLIFTON3 Filed as: ALICIA BEAZLEY CLIFTON | 3915 HUNTING RIDGE DRIVE LILBURN, GA 30047 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| DUSTIN ROBERT JOHNSON3 | 720 S WELLS ST APT 1716 CHICAGO, IL 60607 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| WILLIAM WARDLAW JR3 Filed as: WILLIAM MERRITT WARDLAW JR | 187 S CULVER ST LAWRENCEVILLE, GA 30046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| KRISTY J FISHBACK3 | P O BOX 405 BATAVIA, OH 45103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| MICHAEL B PETERS3 | 3385 SHOAL CREEK ROAD MONROE, GA 30656 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| ONE MISSION SC LLC3 | 1266 BREWER ROAD MANNING, SC 29102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| DAVID C BERRY3 Filed as: DAVID CLIFTON BERRY | 2545 HEATHWAY DR FLORENCE, SC 29501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| PAULA J FAMBROUGH3 | 8205 DUNMORE DRIVE APT C HUNTERSVILLE, NC 28078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| MUNCIE ALAN RUSSELL3 Filed as: MUNCIE A RUSSELL | 1829 SENATE ST APT 8D COLUMBIA, SC 29201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| JONATHAN WELCH LUCAS3 | 6250 BROWNS BRIDGE ROAD CUMMING, GA 30041 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| JOSEPH BERNABEI3 | 12268 ELDON DRIVE LARGO, FL 33774 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| JONI DANIELS3 Filed as: JONI L DANIELS | 1931 SHARON RD WOODRUFF, SC 29388 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| JEFFREY R HARDY3 Filed as: JEFFREY HARDY | 6100 BLACK WILLOW DRIVE GREENSBORO, NC 27405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| ALH BENEFITS LLC3 Filed as: ALH BENEFITS, LLC | 2518 PRIVATE LEFLER DR JOHNS ISLAND, SC 29455 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| KAREN HARBOUR SMITH3 | 145 CHURCH ST NE STE 200 MARIETTA, GA 30060 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| V C SMITH LLC3 Filed as: V.C. SMITH, LLC | 6420 FALL BRANCH DRIVE COLUMBUS, GA 31904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| ANDREW ARTHUR INC3 | 103 CHASE ST SUITE C FLORENCE, SC 29501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| AUDREY J SHRIVE3 | 7057 APPLETREE LOOP COLORADO SPRINGS, CO 80925 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| FRAN C HARGARTEN III3 | 1140 MOSSY ROCK ROAD NW KENNESAW, GA 30152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| LARRY W NICHOLSON JR3 | 1331 W MOREHEAD ST 115 CHARLOTTE, NC 28208 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| KRISTIN SWISHER-MCFADDEN3 Filed as: KRISTIN GENE SWISHER | 1820 W. CANNING DR MOUNT PLEASANT, SC 29466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| STEPHEN I BURGESS3 | 220 RAVEN CLIFF ROAD CLEVELAND, SC 29635 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| FLEMING SCOTT FLEMING3 | 103 WEST RIDGE DRIVE TRAVELERS REST, SC 29690 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| ALFRED E DEVINE3 | 324 DEVINE WAY SILER CITY, NC 27344 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| STEPHEN P SHRIVE3 | 7057 APPLETREE LOOP COLORADO SPRINGS, CO 80925 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JOHN P KOWN II3 Filed as: JOHN PHILLIP KOWN | 1275 SHILOH ROAD NW KENNESAW, GA 30144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| OLIVIA MARIE MURRAY3 | 7173 WINDWARD DR. NEW BERN, NC 28560 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JAMES MASON FORD III3 | 1444 OLDENBURG DRIVE MT. PLEASANT, SC 29429 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$1 | — | -$1 | -0.00% |
| KATHERINE L SIMOS3 | 3309 CLARICE AVE PFAFFTOWN, NC 27040 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$1 | — | -$1 | -0.00% |
| KELLY DALE LEBSACK3 | 2084 COVERED BRIDGE PARKWAY WINDSOR, CO 80550 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$2 | — | -$2 | -0.00% |
| THOMAS E HATCHER JR3 | 1588 BAY TREE DRIVE HARRELLS, NC 28444 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$2 | — | -$2 | -0.00% |
| ALLISON D SHERIFF3 | 124 GRACE DR EASLEY, SC 29640 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$2 | — | -$2 | -0.00% |
| BISHOP INSURANCE, LLC3 | 113 HOMESTEAD DRIVE BOILING SPRINGS, SC 29316 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$7 | — | -$7 | -0.01% |
| KRYSTAL L ELLISON3 | 826 N. ELM ST GREENSBORO, NC 27401 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$12 | — | -$12 | -0.01% |
| EDWARD BATOR JR3 | P O BOX 5018 PINEHURST, NC 28374 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$35 | — | -$35 | -0.03% |
| MARSH & MCLENNAN AGENCY LLC3 | PRESCOTT PAILET BENEFITS 2500 CITY WEST BLVD SUITE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | $8K | $29K | 21.26% |
| FMLASOURCE INC5 | 455 N CITYFRONT PLZ DR 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $24K | $24K | 18.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP A MARSH & MCLENNAN | AGENCY 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $818 | $818 | 1.02% |
| ROSENFELD EINSTEIN3 | MARSH USA, INCORPORATED 870 SOUTH PLEASANTBURG DRIVE GREENVILLE, SC 29607 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $7K | — | $7K | 14.34% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP A MARSH & MCLENNAN | AGENCY 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $142 | $142 | 0.98% |
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 | 516 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 30 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 546 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 514 | $4.4M |
| Vision | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 514 | $48K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 452 | $81K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 226 | $134K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 514 | $4.4M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 452 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 514 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.