| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PLANNED ADMINISTRATORS, INC.5 Filed as: PLANNED ADMINISTRATORS INC | — | BCS INSURANCE COMPANY | — | $1.0M | $1.0M | 13.89% |
| INSURANCE APPLICATIONS GROUP3 | — | BCS INSURANCE COMPANY | $716K | — | $716K | 9.91% |
| HYLANT GROUP INC3 | — | BCS INSURANCE COMPANY | $361K | — | $361K | 5.00% |
| INSURANCE APPLICATIONS GROUP3 | — | 4 EVER LIFE INSURANCE COMPANY | $130K | — | $130K | 14.94% |
| PLAND ADMINISTRATORS INC5 | — | 4 EVER LIFE INSURANCE COMPANY | — | $126K | $126K | 14.50% |
| HYLANT GROUP INC3 | — | 4 EVER LIFE INSURANCE COMPANY | $43K | — | $43K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PLANNED ADMINISTRATORS INC EIN 57-0718839 NONE | Plan Administrator Service code 14 | — | $516K |
| FIRST HEALTH EIN 20-1736437 NONE | Claims processing Service code 12 | — | $0 |
| HYLANT GROUP EIN 34-1880366 NONE | Insurance agents and brokers Service code 22 | — | $0 |
| INSURANCE APPLICATIONS GROUP EIN 57-1117048 NONE | Insurance agents and brokers Service code 22 | — | $0 |
| VERISOURCE SERVICES INC EIN 76-0554001 NONE | Recordkeeping fees Service code 64 | — | $0 |
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 | 4,489 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,496 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BCS INSURANCE COMPANY | 5,752 | $7.2M |
| Dental | BCS INSURANCE COMPANY | 5,752 | $7.2M |
| Vision | BCS INSURANCE COMPANY | 5,752 | $7.2M |
| Life insurance | 4 EVER LIFE INSURANCE COMPANY | 3,553 | $870K |
| Short-term disability | 4 EVER LIFE INSURANCE COMPANY | 3,553 | $870K |
| Other | 4 EVER LIFE INSURANCE COMPANY | 3,553 | $870K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,752 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.