| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | NATIONAL INC P O BOX 203417 DALLAS, TX 75320 | COMMUNITY INSURANCE COMPANY | $40K | — | $40K | 3.50% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | NATIONAL INC 1301 E 9TH ST, STE 3800 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | — | $374 | $374 | 0.03% |
| PLANNED ADMINISTRATORS, INC.3 | 17 TECHNOLOGY CIRCLE, SUITE E2AG COLUMBIA, SC 29203 | BCS INSURANCE COMPANY | — | $135K | $135K | 13.91% |
| INSURANCE APPLICATIONS GROUP3 | 250 COMMONWEALTH , SUITE 107 GREENVILLE, SC 29615 | BCS INSURANCE COMPANY | $80K | — | $80K | 8.27% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 720 E PETE ROSE WAY, SUITE 400 CINCINNATI, OH 45202 | BCS INSURANCE COMPANY | $49K | — | $49K | 5.00% |
| PLANNED ADMINISTRATORS, INC.3 Filed as: PLANNED ADMINISTRATORS INC. | 17 TECHNOLOGY CIRCLE, SUITE E2AG COLUMBIA, SC 29203 | 4 EVER LIFE INSURANCE COMPANY | — | $10K | $10K | 14.50% |
| INSURANCE APPLICATIONS GROUP3 | 250 COMMONWEALTH, SUITE 107 GREENVILLE, SC 29615 | 4 EVER LIFE INSURANCE COMPANY | $9K | — | $9K | 13.00% |
| 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 | 1,009 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,010 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 1,009 | $2.1M |
| Dental | BCS INSURANCE COMPANY | 1,009 | $971K |
| Vision | BCS INSURANCE COMPANY | 1,009 | $971K |
| Life insurance(2 contracts, 2 carriers) | 4 EVER LIFE INSURANCE COMPANY | 521 | $108K |
| Short-term disability(2 contracts, 2 carriers) | 4 EVER LIFE INSURANCE COMPANY | 521 | $97K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 82 | $17K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 150 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,009 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.