| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE APPLICATIONS GROUP3 | 220 NORTH MAIN STREET STE 605 GREENVILLE, SC 29601 | BCS INSURANCE COMPANY | $64K | — | $64K | 18.06% |
| PLANNED ADMINISTRATORS, INC.5 | 17 TECHNOLOGY CIRCLE SUITE E2AG COLUMBIA, SC 29203 | BCS INSURANCE COMPANY | $51K | — | $51K | 14.50% |
| INSURANCE APPLICATIONS GROUP3 | 220 NORTH MAIN STREET STE 605 GREENVILLE, SC 29601 | BCS INSURANCE COMPANY | $14K | — | $14K | 18.13% |
| PLANNED ADMINISTRATORS, INC.5 | 17 TECHNOLOGY CIRCLE SUITE E2AG COLUMBIA, SC 29203 | BCS INSURANCE COMPANY | $11K | — | $11K | 14.50% |
| INSURANCE APPLICATIONS GROUP3 | 220 NORTH MAIN STREET STE 605 GREENVILLE, SC 29601 | BCS INSURANCE COMPANY | $6K | — | $6K | 18.14% |
| PLANNED ADMINISTRATORS, INC.5 | 17 TECHNOLOGY CIRCLE SUITE E2AG COLUMBIA, SC 29203 | BCS INSURANCE COMPANY | $5K | — | $5K | 14.50% |
| INSURANCE APPLICATIONS GROUP3 | 220 NORTH MAIN STREET STE 605 GREENVILLE, SC 29601 | 4 EVER LIFE INSURANCE COMPANY | $5K | — | $5K | 18.13% |
| PLANNED ADMINISTRATORS, INC.5 | 17 TECHNOLOGY CIRCLE SUITE E2AG COLUMBIA, SC 29203 | 4 EVER LIFE INSURANCE COMPANY | $4K | — | $4K | 14.50% |
| INSURANCE APPLICATIONS GROUP3 | 220 NORTH MAIN STREET STE 605 GREENVILLE, SC 29601 | 4 EVER LIFE INSURANCE COMPANY | $969 | — | $969 | 18.14% |
| PLANNED ADMINISTRATORS, INC.5 | 17 TECHNOLOGY CIRCLE SUITE E2AG COLUMBIA, SC 29203 | 4 EVER LIFE INSURANCE COMPANY | $775 | — | $775 | 14.51% |
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 | 336 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCS INSURANCE COMPANY | 336 | $353K |
| Dental | BCS INSURANCE COMPANY | 293 | $75K |
| Vision | BCS INSURANCE COMPANY | 274 | $32K |
| Life insurance | 4 EVER LIFE INSURANCE COMPANY | 215 | $5K |
| Short-term disability | 4 EVER LIFE INSURANCE COMPANY | 201 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 336 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.