| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PLANNED ADMINISTRATORS, INC.3 Filed as: PLANNED ADMINISTRATORS | PO BOX 6702 COLUMBIA, SC 60181 | BCS INSURANCE COMPANY | — | $8K | $8K | 14.50% |
| INSURANCE APPLICATIONS GROUP3 | 220 N. MAIN STREET, STE 605 GREENVILLE, SC 29601 | BCS INSURANCE COMPANY | $8K | — | $8K | 14.00% |
| THE NULTY AGENCY INC.3 Filed as: NULTY AGENCY, INC. | 5579 STADIUM DRIVE KALAMAZOO, MI 49009 | BCS INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| INSURANCE APPLICATIONS GROUP3 | 220 N. MAIN STREET, STE 605 GREENVILLE, SC 29601 | BCS INSURANCE COMPANY | $4K | — | $4K | 18.00% |
| PLANNED ADMINISTRATORS, INC.5 | PO BOX 6702 COLUMBIA, MI 60181 | BCS INSURANCE COMPANY | — | $3K | $3K | 14.50% |
| THE NULTY AGENCY INC.3 Filed as: THE NULTY AGENCY, INC. | 5579 STADIUM DRIVE KALAMAZOO, MI 49009 | BCS INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| INSURANCE APPLICATIONS GROUP5 | 220 N. MAIN STREET, STE 605 GREENVILLE, SC 60181 | BCBS INSURANCE COMPANY | $2K | — | $2K | 18.00% |
| PLANNED ADMINISTRATORS, INC.3 | PO BOX 6702 COLUMBIA, SC 60181 | BCBS INSURANCE COMPANY | — | $1K | $1K | 14.50% |
| THE NULTY AGENCY INC.5 Filed as: THE NULTY AGENCY, INC. | 5579 STADIUM DRIVE KALAMAZOO, MI 49009 | BCBS INSURANCE COMPANY | $470 | — | $470 | 5.00% |
| INSURANCE APPLICATIONS GROUP3 | 220 N. MAIN STREET, STE 605 GREENVILLE, SC 29601 | 4 EVER LIFE INSURANCE COMPANY | $366 | — | $366 | 18.00% |
| PLANNED ADMINISTRATORS, INC.5 | PO BOX 6702 COLUMBIA, SC 60181 | 4 EVER LIFE INSURANCE COMPANY | — | $295 | $295 | 14.51% |
| THE NULTY AGENCY INC.3 Filed as: THE NULTY AGENCY, INC. | 5579 STADIUM DRIVE KALAZAMZOO, MI 49009 | 4 EVER LIFE INSURANCE COMPANY | $102 | — | $102 | 5.02% |
| INSURANCE APPLICATIONS GROUP3 | 220 N. MAIN STREET, STE 605 GREENVILLE, SC 29601 | 4 EVER LIFE INSURANCE COMPANY | $84 | — | $84 | 17.99% |
| PLANNED ADMINISTRATORS, INC.5 Filed as: PLANNED ADMINISTRATORS, INC | PO BOX 6702 COLUMBIA, SC 60181 | 4 EVER LIFE INSURANCE COMPANY | — | $68 | $68 | 14.56% |
| THE NULTY AGENCY INC.3 Filed as: THE NULTY AGENCY, INC. | 5579 STADIUM DR. KALAMAZOO, MI 49009 | 4 EVER LIFE INSURANCE COMPANY | $23 | — | $23 | 4.93% |
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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCS INSURANCE COMPANY | 102 | $54K |
| Dental | BCS INSURANCE COMPANY | 91 | $23K |
| Vision | BCBS INSURANCE COMPANY | 79 | $9K |
| Life insurance | 4 EVER LIFE INSURANCE COMPANY | 29 | $467 |
| Short-term disability | 4 EVER LIFE INSURANCE COMPANY | 30 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
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.