| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE CHIP CONSORTIUM LLC3 | 8460 WATSON RD STE 225 ST. LOUIS, MO 63119 | UNITED HEALTHCARE INSURANCE COMPANY | $12K | $2K | $14K | 5.87% |
| INSURANCE APPLICATIONS GROUP3 | 220 N MAIN ST, STE 605 GREENVILLE, SC 29601 | BCS INSURANCE COMPANY | $20K | — | $20K | 19.00% |
| INSURANCE APPLICATIONS GROUP3 | 220 N MAIN ST, STE 605 GREENVILLE, SC 29601 | BCS INSURANCE COMPANY | $5K | — | $5K | 23.00% |
| INSURANCE APPLICATIONS GROUP3 | 220 N MAIN ST, STE 605 GREENVILLE, SC 29601 | BCS INSURANCE COMPANY | $2K | — | $2K | 23.00% |
| INSURANCE APPLICATIONS GROUP3 | 220 N MAIN ST, STE 605 GREENVILLE, SC 29601 | 4 EVER LIFE INSURANCE COMPANY | $2K | — | $2K | 23.00% |
| INSURANCE APPLICATIONS GROUP3 | 220 N MAIN ST, STE 605 GREENVILLE, SC 29601 | 4 EVER LIFE INSURANCE COMPANY | $607 | — | $607 | 45.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PLANNED ADMINISTRATORS INC. EIN 57-0718839 NONE | Plan Administrator; Direct payment from the plan Service code 14 | — | $21K |
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 | 127 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 95 | $346K |
| Dental | BCS INSURANCE COMPANY | 68 | $24K |
| Vision | BCS INSURANCE COMPANY | 49 | $9K |
| Life insurance | 4 EVER LIFE INSURANCE COMPANY | 37 | $1K |
| Short-term disability | 4 EVER LIFE INSURANCE COMPANY | 33 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 95 | — |
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.