| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE CHIP CONSORTIUM LLC3 | 390 S WOODS MILL RD STE 100 CHESTERFIELD, MO 630173489 | UNITED HEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 4.53% |
| INSURANCE APPLICATIONS GROUP3 | 220 N MAIN ST, STE 605 GREENVILLE, SC 29601 | BCS INSURANCE COMPANY | $12K | — | $12K | 22.28% |
| INSURANCE APPLICATIONS GROUP3 | 220 N MAIN ST, STE 605 GREENVILLE, SC 29601 | BCS INSURANCE COMPANY | $4K | — | $4K | 24.44% |
| INSURANCE APPLICATIONS GROUP3 | 220 N MAIN ST, STE 605 GREENVILLE, SC 29601 | BCS INSURANCE COMPANY | $1K | — | $1K | 24.64% |
| INSURANCE APPLICATIONS GROUP3 | 220 N MAIN ST, STE 605 GREENVILLE, SC 29601 | 4 EVER LIFE INSURANCE COMPANY | $690 | — | $690 | 24.32% |
| INSURANCE APPLICATIONS GROUP3 | 220 N MAIN ST, STE 605 GREENVILLE, SC 29601 | 4 EVER LIFE INSURANCE COMPANY | $140 | — | $140 | 24.35% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PLANNED ADMINISTRATORS INC. EIN 57-0718839 NONE | Direct payment from the plan; Plan Administrator Service code 14 | — | $12K |
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 | 71 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 71 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 40 | $218K |
| Dental | BCS INSURANCE COMPANY | 32 | $15K |
| Vision | BCS INSURANCE COMPANY | 31 | $6K |
| Life insurance | 4 EVER LIFE INSURANCE COMPANY | 14 | $575 |
| Short-term disability | 4 EVER LIFE INSURANCE COMPANY | 7 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 40 | — |
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.