| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE APPLICATIONS GROUP3 | 250 COMMONWEALTH SUITE 107 GREENVILLE, SC 29615 | BCS INSURANCE COMPANY | $14K | $0 | $14K | 5.50% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 200 E. RANDOLPH STREET CHICAGO, IL 60601 | BCS INSURANCE COMPANY | $13K | $0 | $13K | 5.00% |
| AON CONSULTING INC3 Filed as: AON HEWITT | PO BOX 905494 CHARLOTTE, NC 282905494 | COMBINED INSURANCE COMPANY OF AMERICA | $28K | $0 | $28K | 11.06% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | PO BOX 905494 CHARLOTTE, NC 282905494 | AETNA LIFE INSURANCE CO. | $10K | $0 | $10K | 11.95% |
| AON CONSULTING INC3 Filed as: AON HEWITT | PO BOX 905494 CHARLOTTE, NC 282905494 | COMBINED INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 11.37% |
| AON CONSULTING INC3 Filed as: AON HEWITT | PO BOX 905494 CHARLOTTE, NC 282905494 | COMBINED INSURANCE COMPANY OF AMERICA | $436 | $0 | $436 | 10.19% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 555 E. LANCASTER AVENUE SUITE 300 RADNOR, PA 19087 | INDEPENDENCE BLUE CROSS | $294 | $0 | $294 | 10.62% |
| AON CONSULTING INC3 Filed as: AON HEWITT | PO BOX 905494 CHARLOTTE, NC 282905494 | COMBINED INSURANCE COMPANY OF AMERICA | -$170 | $0 | -$170 | -8.94% |
| AON CONSULTING INC3 Filed as: AON HEWITT | PO BOX 905494 CHARLOTTE, NC 282905494 | COMBINED INSURANCE COMPANY OF AMERICA | $39 | $0 | $39 | 9.22% |
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 | 3,083 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 86 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BCS INSURANCE COMPANY | 165 | $260K |
| Dental | AETNA LIFE INSURANCE CO. | 88 | $80K |
| Vision(5 contracts) | COMBINED INSURANCE COMPANY OF AMERICA | 4,379 | $283K |
| Other(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 1 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,379 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.