| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $76K | $76K | 5.19% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $74K | $0 | $74K | 5.00% |
| PLANNED ADMINISTRATORS, INC.5 | 17 TECHNOLOGY CIRCLE, SITE E2AG COLUMBIA, SC 29203 | BCS INSURANCE COMPANY | $0 | $101K | $101K | 13.89% |
| INSURANCE APPLICATIONS GROUP3 | UNKNOWN CINCINNATI, OH 45242 | BCS INSURANCE COMPANY | $59K | $0 | $59K | 8.20% |
| LOCKTON COMPANIES, LLC3 | 3601 SW 160TH AVENUE, SUITE 200 MIRAMAR, FL 33027 | BCS INSURANCE COMPANY | $36K | $0 | $36K | 5.00% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE, SUITE 3400 CHICAGO, IL 60661 | HEARTLAND | $11K | $0 | $11K | 5.00% |
| PLANNED ADMINISTRATORS, INC.5 | 17 TECHNOLOGY CIRCLE, SUITE E2AG COLUMBIA, SC 29203 | 4EVER LIFE INSURANCE COMPANY | $0 | $6K | $6K | 14.50% |
| INSURANCE APPLICATIONS GROUP3 | UNKNOWN CINCINNATI, OH 45242 | 4EVER LIFE INSURANCE COMPANY | $5K | $0 | $5K | 13.40% |
| LOCKTON COMPANIES, LLC3 | 3601 SW 160TH AVENUE, SUITE 200 MIRAMAR, FL 33027 | 4EVER LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.00% |
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 | 1,800 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,800 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCS INSURANCE COMPANY | 466 | $724K |
| Dental | BCS INSURANCE COMPANY | 466 | $724K |
| Vision(2 contracts, 2 carriers) | BCS INSURANCE COMPANY | 4,625 | $953K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,800 | $1.5M |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,800 | $1.5M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,800 | $1.5M |
| Prescription drug | BCS INSURANCE COMPANY | 466 | $724K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 7,182 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,182 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.