| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOWARD EINSTEIN3 Filed as: HOWARD & ROSENFELD EINSTEIN | 870 SOUTH PLEASANTBURG DRIVE GREENVILE, SC 29607 | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | $36K | $0 | $36K | 3.70% |
| INCORPORATED FORUM BENEFITS3 | 1122 SOUTH MAIN STREET, SUITE B GREENVILE, SC 29601 | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | $17K | $0 | $17K | 1.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 4401 NORTHSIDE PARKWAY NW SUITE 800 ATLANTA, GA 30327 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $0 | $16K | 11.88% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $3K | $9K | 6.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 6279 TRI RIDGE BOULEVARD, SUITE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $20 | $20 | 0.01% |
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 | 209 | 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) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 104 | $971K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 209 | $139K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 209 | $139K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 209 | $139K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 209 | $139K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 209 | $139K |
| Prescription drug | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 104 | $971K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 209 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.