| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PLANNED ADMINISTRATORS, INC.5 Filed as: PLANNED ADMINISTRATORS INC | 17 TECHNOLOGY CIR STE E2AG COLUMBIA, SC 292039591 | BCS INSURANCE COMPANY | $96K | $96K | $192K | 20.39% |
| INSURANCE APPLICATIONS GROUP3 | 2 MID AMERICA PLAZA SUITE 2001 OAKBROOK TERRACE, IL 60181 | BCS INSURANCE COMPANY | $80K | $80K | $160K | 17.06% |
| PLANNED ADMINISTRATORS, INC.5 Filed as: PLANNED ADMINISTRATORS INC | 17 TECHNOLOGY CIR STE E2AG COLUMBIA, SC 292039591 | 4 EVER LIFE COMPANY | $10K | $10K | $20K | 29.00% |
| INSURANCE APPLICATIONS GROUP3 | 2 MID AMERICA PLAZA SUITE 2001 OAKBROOK TERRACE, IL 60181 | 4 EVER LIFE COMPANY | $9K | $9K | $19K | 27.61% |
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 | 484 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 484 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BCS INSURANCE COMPANY | 484 | $1.0M |
| Dental(2 contracts, 2 carriers) | BCS INSURANCE COMPANY | 484 | $1.0M |
| Vision(2 contracts, 2 carriers) | BCS INSURANCE COMPANY | 484 | $1.0M |
| Life insurance(2 contracts, 2 carriers) | BCS INSURANCE COMPANY | 484 | $1.0M |
| Short-term disability | BCS INSURANCE COMPANY | 484 | $939K |
| Long-term disability | 4 EVER LIFE COMPANY | 351 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 484 | — |
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.