| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | PO BOX 818078 CLEVELAND, OH 44181 | UNITEDHEALTHCARE INSURANCE COMPANY | $25K | $290K | $315K | 3.42% |
| ONE80 INTERMEDIARIES INC3 | 4555 LAKE FOREST DR STE 510 BLUE ASH, OH 452423732 | UNITEDHEALTHCARE INSURANCE COMPANY | $70K | $0 | $70K | 0.76% |
| BENEFITS NETWORK INSURANCE AGENCY3 Filed as: BENEFITS NETWORK INS AGCY INC | 4555 LAKE FOREST DR STE 510 CINCINNATI, OH 452423732 | UNITEDHEALTHCARE INSURANCE COMPANY | $40 | $208 | $248 | 0.00% |
| PLANNED ADMINISTRATORS, INC.3 | 17 TECHNOLOGY CIRCLE, SUITE E2AG COLUMBIA, SC 29203 | BCS INSURANCE COMPANY | — | $290K | $290K | 13.98% |
| INSURANCE APPLICATIONS GROUP3 | 250 COMMONWEALTH, SUITE 107 GREENVILLE, SC 29615 | BCS INSURANCE COMPANY | $216K | — | $216K | 10.40% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | BCS INSURANCE COMPANY | $104K | — | $104K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $94K | $15K | $109K | 16.41% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $46K | $6K | $52K | 11.35% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $39K | $6K | $45K | 11.43% |
| INSURANCE APPLICATIONS GROUP3 | 250 COMMONWEALTH, SUITE 107 GREENVILLE, SC 29615 | 4 EVER LIFE INSURANCE COMPANY | $30K | — | $30K | 18.00% |
| PLANNED ADMINISTRATORS, INC.3 | 17 TECHNOLOGY CIRCLE, SUTIE E2AG COLUMBIA, SC 29203 | 4 EVER LIFE INSURANCE COMPANY | — | $24K | $24K | 14.50% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | 4 EVER LIFE INSURANCE COMPANY | $8K | — | $8K | 5.00% |
| BENEFITS NETWORK INSURANCE AGENCY3 | 4555 LAKE FOREST DR., STE. 510 CINCINNATI, OH 45242 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 3.60% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $7K | $1K | $8K | 17.25% |
| 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 | $92 | — | $92 | 17.90% |
| PLANNED ADMINISTRATORS, INC.3 | 17 TECHNOLOGY CIRCLE, SUITE E2AG COLUMBIA, SC 29203 | 4 EVER LIFE INSURANCE COMPANY | — | $74 | $74 | 14.40% |
| BENEFIT NETWORK INS. AGENCY, INC.3 | 4555 LAKE FOREST DRIVE, SUITE 510 CINCINNATI, OH 45242 | 4 EVER LIFE INSURANCE COMPANY | $26 | — | $26 | 5.06% |
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 | 14,538 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 109 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 282 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,929 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,874 | $11.3M |
| Dental | BCS INSURANCE COMPANY | 1,335 | $2.1M |
| Vision | BCS INSURANCE COMPANY | 1,335 | $2.1M |
| Life insurance(5 contracts, 3 carriers) | SECURIAN LIFE INSURANCE COMPANY | 2,002 | $955K |
| Short-term disability(3 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 999 | $621K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 940 | $392K |
| Prescription drug(2 contracts) | BCS INSURANCE COMPANY | 1,335 | $2.1M |
| Other(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 3,412 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,412 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.