| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE APPLICATIONS GROUP3 | 220 N. MAIN STREET STE 605 GREENVILLE, SC 29601 | BCS INSURANCE COMPANY | $40K | — | $40K | 18.44% |
| PLANNED ADMINISTRATORS, INC.5 | 17 TECHNOLOGY CIRCLE SUITE E2AG COLUMBIA, SC 29203 | BCS INSURANCE COMPANY | $0 | $31K | $31K | 14.50% |
| INSURANCE APPLICATIONS GROUP3 | 220 N. MAIN STREET STE 605 GREENVILLE, SC 29601 | BCS INSURANCE COMPANY | $11K | — | $11K | 22.34% |
| PLANNED ADMINISTRATORS, INC.5 | 17 TECHNOLOGY CIRCLE SUITE E2AG COLUMBIA, SC 29203 | BCS INSURANCE COMPANY | $0 | $7K | $7K | 14.50% |
| BENEFIT GUARANTY LLC3 | 606 COX STREET SIMPSONVILLE, SC 29681 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $18K | — | $18K | 44.47% |
| SOUTHEAST INS GRP - BIC3 Filed as: SOUTHEAST INS GRP-BIC | 2340 HARDSCRABBLE RD COLUMBIA, SC 29223 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | — | $1K | 3.13% |
| INSURANCE APPLICATIONS GROUP3 | 220 N. MAIN STREET STE 605 GREENVILLE, SC 29601 | BCS INSURANCE COMPANY | $4K | — | $4K | 22.39% |
| PLANNED ADMINISTRATORS, INC.5 | 17 TECHNOLOGY CIRCLE SUITE E2AG COLUMBIA, SC 29203 | BCS INSURANCE COMPANY | $0 | $3K | $3K | 14.50% |
| INSURANCE APPLICATIONS GROUP3 | 220 N. MAIN STREET STE 605 GREENVILLE, SC 29601 | 4 EVER LIFE INSURANCE COMPANY | $4K | — | $4K | 22.49% |
| PLANNED ADMINISTRATORS, INC.5 | 17 TECHNOLOGY CIRCLE STE E2AG COLUMBIA, SC 29203 | 4 EVER LIFE INSURANCE COMPANY | $0 | $2K | $2K | 14.50% |
| BENEFIT GUARANTY LLC3 | 606 COX STREET SIMPSONVILLE, SC 29681 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $6K | — | $6K | 38.33% |
| SOUTHEAST INS GRP - BIC3 Filed as: SOUTHEAST INS GRP-BIC | 2340 HARDSCRABBLE RD COLUMBIA, SC 29223 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $136 | — | $136 | 0.84% |
| BENEFIT GUARANTY LLC3 | 606 COX STREET SIMPSONVILLE, SC 29681 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 37.22% |
| SOUTHEAST INS GRP - BIC3 Filed as: SOUTHEAST INS GRP-BIC | 2340 HARDSCRABBLE RD COLUMBIA, SC 29223 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $61 | — | $61 | 0.97% |
| BENEFIT GUARANTY LLC3 | 606 COX STREET SIMPSONVILLE, SC 29681 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 41.12% |
| SOUTHEAST INS GRP - BIC3 Filed as: SOUTHEAST INS GRP-BIC | 2340 HARDSCRABBLE RD COLUMBIA, SC 29223 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $41 | — | $41 | 0.91% |
| INSURANCE APPLICATIONS GROUP3 | 220 N. MAIN STREET STE 605 GREENVILLE, SC 29601 | 4 EVER LIFE INSURANCE COMPANY | $772 | — | $772 | 22.63% |
| PLANNED ADMINISTRATORS, INC.5 | 17 TECHNOLOGY CIRCLE STE E2AG COLUMBIA, SC 29203 | 4 EVER LIFE INSURANCE COMPANY | $0 | $495 | $495 | 14.51% |
| IMA, INC.3 Filed as: IMA, INC DBA 90 DEGREE BENEFITS | 1325 BAKSDALE BLVD SUITE 300 BOSSIER CITY, LA 71111 | PAN AMERICAN LIFE INSURANCE COMPANY | $209 | — | $209 | 9.98% |
| BENEFIT GUARANTY LLC3 | 606 COX STREET SIMPSONVILLE, SC 29681 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $475 | — | $475 | 38.18% |
| SOUTHEAST INS GRP - BIC3 Filed as: SOUTHEAST INS GRP-BIC | 2340 HARDSCRABBLE RD COLUMBIA, SC 29223 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $11 | — | $11 | 0.88% |
| BENEFIT GUARANTY LLC3 | 606 COX STREET SIMPSONVILLE, SC 29681 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $420 | — | $420 | 41.10% |
| BENEFIT GUARANTY LLC3 | 606 COX STREET SIMPSONVILLE, SC 29681 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $345 | — | $345 | 43.62% |
| SOUTHEAST INS GRP - BIC3 Filed as: SOUTHEAST INS GRP- BIC | 2340 HARDSCRABBLE RD COLUMBIA, SC 29223 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $7 | — | $7 | 0.88% |
No Schedule C service providers reported on this filing.
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 | 296 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCS INSURANCE COMPANY | 272 | $215K |
| Dental(2 contracts, 2 carriers) | BCS INSURANCE COMPANY | 233 | $65K |
| Vision(2 contracts, 2 carriers) | BCS INSURANCE COMPANY | 218 | $19K |
| Life insurance(2 contracts, 2 carriers) | 4 EVER LIFE INSURANCE COMPANY | 152 | $4K |
| Short-term disability(3 contracts, 2 carriers) | 4 EVER LIFE INSURANCE COMPANY | 110 | $22K |
| Stop-loss / reinsurancereinsurance | PAN AMERICAN LIFE INSURANCE COMPANY | 296 | $2K |
| Other(4 contracts) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 207 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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.