| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | NATIONAL INC 213 SOUTH JEFFERSON STREET SW ROANOKE, VA 24011 | COMMUNITY INSURANCE COMPANY | $34K | — | $34K | 2.70% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E UNION STE 700 DENVER, CO 80237 | COMMUNITY INSURANCE COMPANY | $17K | — | $17K | 1.35% |
| PLANNED ADMINISTRATORS, INC.3 Filed as: PLANNED ADMINISTRATORS INC. | 17 TECHNOLOGY CIRCLE, SUITE E2AG COLUMBIA, SC 29203 | BCS INSURANCE COMPANY | — | $131K | $131K | 13.92% |
| INSURANCE APPLICATION GROUP3 | 250 COMMONWEALTH, SUITE 107 GREENVILLE, SC 29615 | BCS INSURANCE COMPANY | $94K | — | $94K | 9.96% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | BCS INSURANCE COMPANY | $28K | — | $28K | 3.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W. 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | BCS INSURANCE COMPANY | $11K | — | $11K | 1.20% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF OHIO | $3K | $165 | $4K | 4.81% |
| LOCKTON COMPANIES, LLC3 | THOMAS CHARLES 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF OHIO | $3K | — | $3K | 4.51% |
| INSURANCE APPLICATIONS GROUP3 | 250 COMMONWEALTH, SUITE 107 GREENVILLE, SC 29615 | 4 EVER LIFE INSURANCE COMPANY | $12K | — | $12K | 17.41% |
| PLANNED ADMINISTRATORS, INC.3 | 17 TECHNOLOGY CIRCLE, SUITE E2AG COLUMBIA, SC 29203 | 4 EVER LIFE INSURANCE COMPANY | — | $10K | $10K | 14.50% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | 4 EVER LIFE INSURANCE COMPANY | $2K | — | $2K | 3.05% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | 4 EVER LIFE INSURANCE COMPANY | $774 | — | $774 | 1.17% |
| VOLUNTARY MARKET SOLUTIONS LLC4 | 651 BLACKBURN AVE FAIRFIELD, OH 45014 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $650 | — | $650 | 13.72% |
| COLLEEN BERGER4 | 831 LAKERUN LN ERLANGER, KY 41018 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $202 | — | $202 | 4.26% |
| PATRICIA FOUTS4 Filed as: PATRICIA A FOUTS | #322 2335 BUTERMILK CROSSING CRESENT SPRINGS, KY 41017 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $168 | — | $168 | 3.55% |
| CLAUD D EVANS4 | P.O. BOX 362 OKEMAH, OK 74859 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $81 | — | $81 | 1.71% |
| LARRY ROPP4 | 2958 BUG SCUFFLE RD WEST FORK, AR 72774 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $30 | — | $30 | 0.63% |
| LOCKTON COMPANIES, LLC4 Filed as: LOCKTON COMPANIES LLC | P.O. BOX 843844 KANSAS CITY, MO 64184 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $19 | — | $19 | 0.40% |
| ASSUREDPARTNERS3 Filed as: ASSURED SKCG INSURANCE | FL 14 123 MAIN ST WHITE PLAINS, NY 10601 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $17 | — | $17 | 0.36% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 720 EAST PETE ROSE WAY STE 400 CINCINNATI, OH 45202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $206 | — | $206 | 5.89% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 720 EAST PETE ROSE WAY STE 400 CINCINNATI, OH 45202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $222 | — | $222 | 6.89% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JANUS ASSOCIATES, INC. DBA BHS EIN 52-1306404 NONE | Other services; Consulting (general) Service code 16 | — | $9K |
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 | 959 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 961 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 913 | $2.2M |
| Dental(2 contracts, 2 carriers) | BCS INSURANCE COMPANY | 913 | $1.0M |
| Vision(2 contracts, 2 carriers) | BCS INSURANCE COMPANY | 913 | $945K |
| Life insurance(2 contracts, 2 carriers) | 4 EVER LIFE INSURANCE COMPANY | 491 | $108K |
| Short-term disability(3 contracts, 3 carriers) | 4 EVER LIFE INSURANCE COMPANY | 491 | $91K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 67 | $16K |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 166 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 913 | — |
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.