| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 4555 LAKE FOREST DR STE 510 BLUE ASH, OH 452423732 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | $202K | $217K | 2.36% |
| BENEFITS NETWORK INSURANCE AGENCY3 Filed as: BENEFITS NETWORK INS AGCY INC | 4555 LAKE FOREST DR STE 510 CINCINNATI, OH 452423732 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | $63K | $80K | 0.87% |
| ONE80 INTERMEDIARIES INC3 | 4555 LAKE FOREST DR STE 510 BLUE ASH, OH 452423732 | UNITEDHEALTHCARE INSURANCE COMPANY | $47K | $0 | $47K | 0.52% |
| PLANNED ADMINISTRATORS, INC.3 | 17 TECHNOLOGY CIRCLE, SUITE E2AG COLUMBIA, SC 29203 | BCS INSURANCE COMPANY | — | $435K | $435K | 13.98% |
| INSURANCE APPLICATIONS GROUP3 | 250 COMMONWEALTH, SUITE 107 GREENVILLE, SC 29615 | BCS INSURANCE COMPANY | $323K | — | $323K | 10.39% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | BCS INSURANCE COMPANY | $156K | — | $156K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | QBE INSURANCE | $31K | $123K | $153K | 10.01% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $85K | $14K | $98K | 16.46% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $39K | $6K | $45K | 12.47% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $37K | $5K | $42K | 12.46% |
| INSURANCE APPLICATIONS GROUP3 | 250 COMMONWEALTH, SUITE 107 GREENVILLE, SC 29615 | 4 EVER LIFE INSURANCE COMPANY | $46K | — | $46K | 18.00% |
| PLANNED ADMINISTRATORS, INC.3 | 17 TECHNOLOGY CIRCLE, SUTIE E2AG COLUMBIA, SC 29203 | 4 EVER LIFE INSURANCE COMPANY | — | $37K | $37K | 14.50% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | 4 EVER LIFE INSURANCE COMPANY | $13K | — | $13K | 5.00% |
| BENEFITS NETWORK INSURANCE AGENCY3 | 4555 LAKE FOREST DR., STE. 510 CINCINNATI, OH 45242 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 5.09% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $8K | $1K | $9K | 17.23% |
| PLANNED ADMINISTRATORS, INC.3 | 17 TECHNOLOGY CIRCLE, SUITE E2AG COLUMBIA, SC 29203 | BCS INSURANCE COMPANY | — | $5K | $5K | 13.75% |
| INSURANCE APPLICATIONS GROUP3 | 250 COMMONWEALTH, SUITE 107 GREENVILLE, SC 29615 | BCS INSURANCE COMPANY | $3K | — | $3K | 8.00% |
| BENEFITS NETWORK INSURANCE AGENCY3 Filed as: BENEFITS NETWORK INS. AGENCY, INC. | 4555 LAKE FOREST DRIVE, SUITE 510 CINCINNATI, OH 45242 | BCS INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| INSURANCE APPLICATIONS GROUP3 | 250 COMMONWEALTH, SUITE 107 GREENVILLE, SC 29615 | 4 EVER LIFE INSURANCE COMPANY | $109 | — | $109 | 17.99% |
| PLANNED ADMINISTRATORS, INC.3 | 17 TECHNOLOGY CIRCLE, SUITE E2AG COLUMBIA, SC 29203 | 4 EVER LIFE INSURANCE COMPANY | — | $88 | $88 | 14.52% |
| BENEFIT NETWORK INS. AGENCY, INC.3 | 4555 LAKE FOREST DRIVE, SUITE 510 CINCINNATI, OH 45242 | 4 EVER LIFE INSURANCE COMPANY | $30 | — | $30 | 4.95% |
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 | 10,022 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 148 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6,242 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,412 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,439 | $12.3M |
| Dental | BCS INSURANCE COMPANY | 2,439 | $3.1M |
| Vision | BCS INSURANCE COMPANY | 2,439 | $3.1M |
| Life insurance(5 contracts, 3 carriers) | SECURIAN LIFE INSURANCE COMPANY | 2,130 | $1.0M |
| Short-term disability(3 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,515 | $594K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 989 | $362K |
| Prescription drug(2 contracts) | BCS INSURANCE COMPANY | 2,439 | $3.1M |
| Other(3 contracts, 3 carriers) | QBE INSURANCE | 2,331 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,439 | — |
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.