| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS | SERVICES USA INC PO BOX 203417 DALLAS, TX 75320 | COMMUNITY INSURANCE COMPANY (G1728) | $38K | — | $38K | 3.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS | SERVICES USA INC 1301 E 9TH ST, STE 3800 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY (G1728) | — | $936 | $936 | 0.08% |
| PLANNED ADMINISTRATORS, INC.3 | 17 TECHNOLOGY CIRCLE, SUITE E2AG COLUMBIA, SC 29203 | BCS INSURANCE COMPANY | — | $157K | $157K | 14.14% |
| INSURANCE APPLICATIONS GROUP3 | 250 COMMONWEALTH , SUITE 107 GREENVILLE, SC 29615 | BCS INSURANCE COMPANY | $98K | — | $98K | 8.85% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 720 E PETE ROSE WAY, SUITE 400 CINCINNATI, OH 45202 | BCS INSURANCE COMPANY | $55K | — | $55K | 4.99% |
| PLANNED ADMINISTRATORS, INC.3 Filed as: PLANNED ADMINISTRATORS INC. | 17 TECHNOLOGY CIRCLE, SUITE E2AG COLUMBIA, SC 29203 | 4 EVER LIFE INSURANCE COMPANY | — | $12K | $12K | 14.50% |
| INSURANCE APPLICATIONS GROUP3 | 250 COMMONWEALTH, SUITE 107 GREENVILLE, SC 29615 | 4 EVER LIFE INSURANCE COMPANY | $9K | — | $9K | 11.75% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 720 E PETE ROSE WAY, SUITE 400 CINCINNATI, OH 45202 | 4 EVER LIFE INSURANCE COMPANY | $4K | — | $4K | 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 | 674 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 675 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY (G1728) | 674 | $2.3M |
| Dental | BCS INSURANCE COMPANY | 674 | $1.1M |
| Vision | BCS INSURANCE COMPANY | 674 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | 4 EVER LIFE INSURANCE COMPANY | 323 | $116K |
| Short-term disability(2 contracts, 2 carriers) | 4 EVER LIFE INSURANCE COMPANY | 323 | $108K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 94 | $13K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 160 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 674 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.