| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE APPLICATIONS GROUP3 | 220 N MAIN ST, STE 605 GREENVILLE, SC 29601 | BCS INSURANCE COMPANY | $30K | — | $30K | 18.97% |
| BLUE CHIP CONSORTIUM LLC3 | 8460 WATSON RD STE 225 ST. LOUIS, MO 63119 | UNITED HEALTHCARE INSURANCE COMPANY | $7K | $1K | $9K | 5.76% |
| INSURANCE APPLICATIONS GROUP3 | 220 N MAIN ST, STE 605 GREENVILLE, SC 29601 | BCS INSURANCE COMPANY | $8K | — | $8K | 22.82% |
| INSURANCE APPLICATIONS GROUP3 | 220 N MAIN ST, STE 605 GREENVILLE, SC 29601 | BCS INSURANCE COMPANY | $3K | — | $3K | 22.93% |
| INSURANCE APPLICATIONS GROUP3 | 220 N MAIN ST, STE 605 GREENVILLE, SC 29601 | 4 EVER LIFE INSURANCE COMPANY | $2K | — | $2K | 22.76% |
| INSURANCE APPLICATIONS GROUP3 | 220 N MAIN ST, STE 605 GREENVILLE, SC 29601 | 4 EVER LIFE INSURANCE COMPANY | $427 | — | $427 | 22.79% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PLANNED ADMINISTRATORS INC. EIN 57-0718839 NONE | Direct payment from the plan; Plan Administrator Service code 14 | — | $32K |
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 | 316 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BCS INSURANCE COMPANY | 286 | $313K |
| Dental | BCS INSURANCE COMPANY | 187 | $35K |
| Vision | BCS INSURANCE COMPANY | 147 | $12K |
| Life insurance | 4 EVER LIFE INSURANCE COMPANY | 108 | $2K |
| Short-term disability | 4 EVER LIFE INSURANCE COMPANY | 93 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.